Yes, you can withdraw cash from your Chime checking account at ATMs, but which ATMs work depends on your Chime card type and account status

Chime offers surcharge-free ATM access through two networks. If you have a standard Chime checking account with a Chime Visa debit card, you can withdraw cash at any ATM in the Allpoint network (over 60,000 ATMs worldwide, including many at convenience stores and pharmacies) or the MoneyLion network (around 40,000 ATMs). Both networks are free for Chime account holders.

If you try to use an ATM outside these networks, Chime will not charge you a fee, but the ATM operator may charge their own out-of-network fee—typically $2 to $3. You will see a warning on the ATM screen before you complete the withdrawal, telling you the fee amount. You can cancel the transaction at that point if you want to avoid the charge.

Chime also offers cash back at grocery stores, pharmacies, and other retailers that accept Visa debit cards, and this is always free. You do not need a PIN—just tell the cashier how much cash back you want when you pay for your purchase.

Key Takeaways

  • Chime checking account holders can withdraw cash free at any Allpoint or MoneyLion ATM without a surcharge from Chime.
  • Using an ATM outside these two networks may trigger a fee from the ATM operator, which Chime will not reimburse.
  • You can get cash back free at any store that accepts Visa debit cards—grocery stores, pharmacies, and retailers—without making a purchase.
  • The Allpoint network has significantly more ATMs than MoneyLion, so Allpoint is usually your fastest option to find a nearby machine.

How to find a surcharge-free ATM near you

The easiest way to locate an Allpoint or MoneyLion ATM is to use the Chime mobile app. Open the app, tap the menu, and select "Find ATMs" or "ATM Locator." The app will show you the nearest surcharge-free machines and their addresses. You can also search by zip code or city if you are traveling.

If you do not have the app handy, you can visit the Allpoint website (allpointnetwork.com) or the MoneyLion website and use their ATM finder tools. Both let you search by location and show you hours of operation. Allpoint ATMs are typically in CVS, Walgreens, Target, Walmart, and 7-Eleven locations, as well as standalone ATM kiosks. MoneyLion ATMs are less common but are found in some retail and banking locations.

What happens if you use an out-of-network ATM

When you insert your Chime card into an ATM that is not part of Allpoint or MoneyLion, the machine will display a warning message before you confirm the withdrawal. This message will tell you the exact fee the ATM operator charges—usually $2 to $3. You have the option to cancel the transaction at this point and find a surcharge-free ATM instead.

If you proceed with the withdrawal, the fee is deducted from your account balance. Chime does not charge you an additional fee on top of the operator's charge, and Chime does not reimburse out-of-network fees. The charge appears in your transaction history as a separate line item so you can see exactly what was deducted.

Daily and monthly withdrawal limits

Chime does not publish a specific daily ATM withdrawal limit for standard checking accounts. However, your bank may decline a withdrawal if it seems unusual for your account activity or if your account balance is too low. If a withdrawal is declined, you will see an error message on the ATM screen.

If you regularly need to withdraw large amounts of cash, contact Chime support through the app or by phone to discuss your account. They can review your withdrawal history and let you know if there are any limits affecting your transactions. Most account holders do not hit a limit under normal use.

Cash back at stores as an alternative

Getting cash back at a store is often faster and more convenient than finding an ATM, especially if you are already shopping. When you pay with your Chime Visa debit card at any grocery store, pharmacy, gas station, or retailer, you can ask the cashier for cash back. There is no fee, and you do not need to make a purchase—though most stores require you to buy something to use this service.

The amount you can withdraw as cash back varies by store. Most allow $20 to $100, though some may go higher. The cashier will ask how much you want, add it to your total, and hand you the cash along with your receipt. This counts as a debit card transaction, so it appears in your Chime transaction history the same way a purchase does.

What to do if your card is not working at an ATM

If your Chime card is declined at an ATM, the most common reasons are insufficient funds, a frozen account, or a card that has expired or been reported lost. Check your account balance in the Chime app first. If your balance is low, transfer money from another account or wait for a deposit to post.

If your balance is fine, your card may be temporarily frozen due to suspicious activity. Chime will notify you through the app or by text if this happens. You can unfreeze your card by confirming the suspicious transactions in the app or by calling Chime support. If your card has expired, order a replacement through the app—it usually arrives within 7 to 10 business days. In the meantime, you can use cash back at stores or visit a Chime-affiliated branch if one is near you.

Frequently Asked Questions

Can I withdraw money from a Chime ATM inside a bank branch?

Yes, if the bank's ATM is part of the Allpoint or MoneyLion network, you can use it free. However, most bank-branded ATMs (like Bank of America or Wells Fargo machines) are not part of these networks and will charge a fee. Always check the ATM locator in the Chime app before using a bank branch machine.

What if I need cash and there is no Allpoint or MoneyLion ATM nearby?

Use cash back at a store instead—it is free and available almost everywhere. If you must use an out-of-network ATM, you will pay the operator's fee, which Chime will not refund. Plan ahead when traveling to areas with fewer ATMs by withdrawing cash before you leave.

Does Chime charge me a fee if the ATM declines my withdrawal?

No. If the ATM declines your transaction, no fee is charged. You only pay a fee if the withdrawal goes through. A decline usually means insufficient funds or a temporary account freeze.

Can I withdraw cash from a Chime ATM outside the United States?

Allpoint has ATMs in over 190 countries, so you may find surcharge-free access abroad. However, your bank or card issuer may charge a foreign transaction fee or currency conversion fee on top of the ATM withdrawal. Check your Chime account terms for international fees before traveling.

How long does a cash withdrawal take to show up in my account?

ATM withdrawals are deducted from your account immediately. You will see the transaction in your Chime app within seconds of completing the withdrawal at the machine.