If you need cash and are checking chime card withdrawal limits, the daily Chime card withdrawal limit for ATM transactions is $515 with the standard Chime Debit Card and $1,015 with the Chime Secured Credit Card, with a combined overall daily limit of $2,500 that also includes cash back, over-the-counter withdrawals, and purchases.
What are the Chime card withdrawal limits?
The core withdrawal limits you need to know are straightforward. For ATM withdrawals, your Chime Debit Card allows up to $515 per day, while the Chime Secured Credit Card allows up to $1,015 per day. Beyond ATMs, you can get up to $500 per day in cash back at participating retailers during a purchase. All of these activities, plus over-the-counter withdrawals and purchases, count toward a total daily limit of $2,500. These limits reset each day, giving you a clear picture of how much cash you can access.
Daily ATM withdrawal limits for Chime debit and secured cards
The difference in ATM limits between the two cards is tied to how they work. Your Chime Debit Card draws directly from your Chime Checking Account, with a daily ATM limit of $515. The Chime Secured Credit Card has a higher ATM limit of $1,015 because its spending power is funded by money you transfer from your Chime checking account into its Secured Deposit Account. This means the amount you can withdraw from an ATM with the secured card is directly tied to the funds you have set aside in that deposit account, making it a useful option if you need to access more cash in a single day.
Getting cash back at stores with your Chime card
Cash back is a convenient way to get money without visiting an ATM. When you make a purchase at participating retailers like Walmart and Dollar General, you can request cash back at the register. The daily limit for this is typically $500, and the amount you receive is deducted from your account balance just like any other transaction. Remember that this $500 counts toward your overall $2,500 daily limit, so if you also plan to use an ATM or make an over-the-counter withdrawal, you'll need to factor that in.
Over-the-counter withdrawals at banks
If you prefer to withdraw cash with the help of a teller, you can perform an over-the-counter withdrawal at a bank or credit union. Simply present your Chime Visa Debit Card to the teller and request the amount you need. This method also falls under the $2,500 overall daily limit, so it's another way to access your funds without using an ATM. Not all banks offer this service, so it's best to check with the institution beforehand.
How Chime SpotMe® can increase your withdrawal power
For eligible members, Chime's SpotMe® feature can provide an alternative way to access extra cash beyond standard limits. SpotMe® allows you to overdraw your account for debit card purchases and cash withdrawals, starting at $20 and potentially increasing up to $200 or more based on your account history and direct deposit activity. This means if you need a little more than your available balance, you can still complete a withdrawal, making it a helpful safety net for unexpected expenses.
Chime ATM fees and how to avoid them
Chime does not charge fees for withdrawals at its network of over 47,000 fee-free ATMs. To find these locations, open the Chime app, tap the "Move" tab, and then select "Cash Map" to see nearby fee-free ATMs. If you use an out-of-network ATM, Chime charges a $2.50 fee, and the ATM provider may charge additional fees. To avoid these costs, always use the Cash Map to locate a fee-free ATM before making a withdrawal.
Managing your Chime card withdrawals
To get the most out of your Chime card, keep these practical tips in mind. First, always use the Chime app to find fee-free ATMs, which saves you money. Second, plan your withdrawals around the daily reset time, which typically occurs at midnight Eastern Time, so you can maximize your daily limits if needed. Third, remember that Chime does not offer cardless ATM withdrawals, so you must have your physical Chime card with you for all ATM transactions. Additionally, if you ever need to temporarily disable your card for security reasons, you can use the "lock Chime card" feature directly in the app to prevent unauthorized use. Finally, while there is no set limit on how much you can deposit, you should be aware that the Chime card maximum balance is effectively unlimited, though your spending and withdrawal power is governed by the daily limits outlined above.
