You can withdraw from Chime savings through the mobile app, ATM, or by transferring to your checking account

Chime savings withdrawals work differently than checking account withdrawals. You cannot use a debit card to pull money directly from savings, and there is no savings ATM card. Instead, you move money from savings to your checking account through the Chime app, then withdraw or spend it from there. The transfer is instant and costs nothing.

If you need cash immediately, transfer to checking first, then use any Allpoint ATM (there are over 60,000 nationwide) or your debit card at a store. If you just need to pay a bill or send money, you can transfer directly from savings to an external bank account or to another person through the Chime app.

Key Takeaways

  • Chime savings has no debit card and no dedicated ATM access—you must transfer money to your checking account first to withdraw cash.
  • Transfers from savings to checking happen instantly in the Chime app and have no fee.
  • You can withdraw cash at any Allpoint ATM using your Chime debit card after moving money to checking, or get cash back at a store.
  • External transfers from savings to another bank account take one to three business days and may have limits depending on your account type.

Transferring from savings to checking inside the Chime app

Open the Chime app and tap the savings account. Look for a "Transfer" or "Move Money" button—the exact label varies by app version. Select the amount you want to move to checking. Confirm the transfer. The money appears in your checking account instantly, with no fee.

There is no daily limit on how much you can transfer between your own Chime accounts. You can move your entire savings balance to checking if you need to. Once the money is in checking, you can spend it with your debit card, withdraw it at an ATM, or use it however you normally would.

Withdrawing cash at an ATM after transferring to checking

After you move money to your Chime checking account, use your Chime debit card at any Allpoint ATM to withdraw cash. Allpoint ATMs are in grocery stores, pharmacies, convenience stores, and other retail locations. The Chime app has an ATM locator—tap it to find the nearest machine.

Withdrawals at Allpoint ATMs are free. There is no daily withdrawal limit, though individual ATMs may have their own limits (usually $500 to $1,000 per transaction). If an ATM declines your withdrawal, try a different machine or a different location.

Getting cash back at a store without an ATM visit

After transferring money to checking, use your Chime debit card to make a purchase at a store that offers cash back—most grocery stores, pharmacies, and big-box retailers do. Tell the cashier you want cash back and specify the amount. The purchase and cash withdrawal happen together, and there is no fee.

This method works if you need cash but do not have an Allpoint ATM nearby. The amount you can withdraw is usually limited by the store's policy, often $20 to $100, though some stores allow more.

Transferring savings to an external bank account

You can move money directly from Chime savings to a bank account at another institution. In the Chime app, go to your savings account and select "Transfer" or "Send Money." Choose "External Transfer" or "Bank Transfer" (wording varies). Enter the receiving bank's routing number and the account number, then the amount and date.

External transfers take one to three business days. Chime does not charge a fee, but your receiving bank may. Some accounts have monthly limits on external transfers—check your Chime account terms or contact Chime support to confirm your limit. If you hit the limit, wait until the next calendar month or transfer to your Chime checking account first, then move money out from there.

Sending money to another person from savings

You can send money from Chime savings to another Chime user instantly through the app. Open your savings account, tap "Send Money" or "Transfer," and select the recipient from your contacts or enter their Chime username or phone number. Enter the amount and confirm. The money arrives in their account immediately, with no fee.

To send money to someone without a Chime account, transfer to your checking account first, then use Chime's peer transfer feature or another payment app. Chime savings itself does not support direct transfers to non-Chime users.

What happens if you need money before a transfer clears

Transfers between your Chime accounts (savings to checking) are instant, so there is no wait. If you are transferring to an external bank account, the money takes one to three business days. Plan ahead if you need the money on a specific date—do not wait until the last day.

If you have an overdraft or need cash urgently and your transfer will not clear in time, move money to your Chime checking account instead. That transfer is immediate. Then withdraw or spend from checking while you wait for the external transfer to complete.

Frequently Asked Questions

Can I withdraw money from Chime savings without transferring to checking first?

No. Chime savings has no debit card, no ATM card, and no direct withdrawal method. You must transfer to your checking account first, then withdraw or spend from there. The transfer takes seconds and costs nothing.

Is there a limit on how much I can transfer from savings to checking?

No daily or monthly limit exists for transfers between your own Chime accounts. You can move as much as you want, whenever you want. External transfers to other banks may have limits—check your account terms.

Do I pay a fee to withdraw money from Chime savings?

No. Transfers to your Chime checking account are free. Withdrawals at Allpoint ATMs are free. Cash back at stores is free. External transfers to other banks are free from Chime's side, though your receiving bank may charge a fee.

What if I need cash but there is no Allpoint ATM near me?

Use your debit card to buy something at a store and ask for cash back. Most retailers offer this for free. Alternatively, transfer money to your checking account and use a different ATM network if your bank offers access to one.

How long does it take to transfer savings to another bank account?

One to three business days. Transfers between your Chime accounts are instant. If you need the money faster, keep it in your Chime checking account or withdraw cash immediately after transferring to checking.