You can take money off your Chime card at over 47,000 fee-free ATMs, by getting cash back at participating retailers, or by performing an over-the-counter withdrawal at a bank or credit union. These are the three primary ways to access your cash without paying unnecessary fees.
Where to take money off your Chime card at fee-free ATMs
The most straightforward way to take money off your Chime card is by using one of the over 47,000 fee-free ATMs in the Allpoint, Visa Plus Alliance, and FCTI networks. These ATMs are located at major retailers including Walgreens, CVS, 7-Eleven, Circle K, and Target, making it easy to find a no-fee withdrawal point whether you are at home or traveling.
To locate a nearby fee-free ATM, open the Chime mobile app and use the "ATM Finder" or "ATM Map" feature. This tool shows you exactly which ATMs are in-network and will not charge you a fee.
When you arrive at the ATM, follow these steps to complete your withdrawal:
- Insert your Chime Visa Debit Card into the card reader.
- Enter your PIN.
- Select "withdraw money" from the main menu.
- Choose your checking account if prompted.
- Enter the desired withdrawal amount.
- Confirm the transaction and take your cash.
Always check the ATM screen for any fee disclosures before confirming, even at in-network machines, to ensure you are not charged by the ATM operator.
Get cash back at participating merchants
You can get cash back fee-free during a debit purchase at many major retailers. Participating merchants include Walmart, Dollar General, Walgreens, CVS, Target, Kroger, Food Lion, and similar stores. This method lets you take money off your Chime card while completing your regular shopping, saving you an extra trip to an ATM.
At the point of sale, select "debit" when prompted for payment type, then enter your PIN. After the transaction is approved, the terminal will ask if you want cash back. Choose the amount you need, and the cash will be added to your total purchase. You receive the cash along with your receipt. There are no fees from Chime for this service, though each merchant sets its own cash-back limits, so check with the store if you need a large amount.
Over-the-counter withdrawals at banks and credit unions
If you are near a traditional bank or credit union and need cash but cannot find a fee-free ATM, you can present your Chime Visa Debit Card to a teller for an over-the-counter withdrawal. This method makes sense when you need a larger amount of cash than an ATM might dispense, or when the nearest fee-free ATM is not convenient.
Simply hand your card to the teller, tell them you want a cash withdrawal from your Chime checking account, and provide your PIN. The teller will process the transaction like a debit purchase. Chime charges a $2.50 fee for each over-the-counter withdrawal, so use this option when you cannot reach a fee-free ATM or need cash back at a store.
Chime ATM withdrawal limits and out-of-network fees
Understanding the daily Chime card withdrawal limit helps you plan your cash needs. The standard daily ATM withdrawal limit is $515, but personal limits may vary, with some users reporting limits up to $1,015 or $3,030 per day. You can check your personal limit in the Chime app to see exactly how much you can withdraw in a single day. This is also how you determine the Chime card withdrawal limit that applies to your specific account.
If you use an out-of-network ATM, Chime charges a $2.50 fee for the transaction, and the ATM operator may also charge their own fee. These third-party operator fees are not reimbursed by Chime. The same $2.50 fee applies to over-the-counter withdrawals at banks and credit unions. To avoid these charges, always use the ATM finder in the Chime app to locate fee-free machines or get cash back at participating merchants.
Using SpotMe to take money off your Chime card when your balance is low
Chime's SpotMe feature allows eligible members to make card purchases and cash withdrawals that overdraw their account without fees. This means you can take money off your Chime card even when your balance is insufficient, up to a predetermined limit, and you can check chime card balance without app to see exactly how much SpotMe coverage you have available. SpotMe limits start at $20 and can potentially increase up to $200 as you build a positive account history with Chime.
Eligibility for SpotMe requires $200 or more in qualifying direct deposits each month. Once eligible, the feature works automatically: if a transaction exceeds your balance, Chime covers the difference without charging an overdraft fee. The negative balance is then repaid automatically when your next deposit arrives. This provides a safety net for unexpected cash needs without the cost of traditional overdraft fees.
Taking money off your Chime card internationally
You can use your Chime Visa Debit Card at any international ATM where Visa is accepted. Chime does not charge foreign transaction fees, which is a significant benefit when traveling abroad. However, international ATM operators may charge their own fees, and Chime does not reimburse these charges. Always check the ATM screen for fee information before completing a withdrawal.
Note that Chime does not currently offer cardless ATM withdrawals, so you must have your physical Chime card with you to make withdrawals at any ATM, both domestically and internationally. Before traveling, use the Chime app to check your daily withdrawal limit and plan accordingly.
Both you and the recipient need Chime accounts, and transfers are instant. If you ever need to temporarily disable your card for security reasons, you can lock chime card directly from the app, which prevents any transactions until you unlock it again.
