You can withdraw from Chime savings at ATMs, through transfers to your checking account, or by requesting a check

Chime savings withdrawals work through three main routes: using an ATM, moving money to your Chime checking account and then to another bank, or requesting a paper check. The fastest is the ATM — you can pull cash immediately at any Allpoint or MoneyLion ATM network location, which includes roughly 60,000 machines nationwide. If you need the money in another bank account, you transfer it to your Chime checking account first (which takes seconds), then move it out from there. Paper checks take 7 to 10 business days to arrive after you request one.

Chime does not charge withdrawal fees, but the ATM network you use might. Allpoint and MoneyLion ATMs are free for Chime cardholders. If you use an out-of-network ATM, you may face a fee from that ATM operator — typically $2 to $3 — though Chime will not charge you on top of that.

Key Takeaways

  • ATM withdrawals at Allpoint or MoneyLion machines are free and instant, making them the fastest way to access cash from your savings.
  • Transferring money to your Chime checking account takes seconds and costs nothing, then you can move it to another bank or spend it with your debit card.
  • Paper checks can be requested through the Chime app and arrive in 7 to 10 business days.
  • Out-of-network ATMs may charge you a fee, but Chime itself does not charge for withdrawals.

Withdrawing cash at an ATM

The Allpoint network is the primary ATM option for Chime savings cardholders. You insert your Chime debit card, enter your PIN, select the savings account, and withdraw up to your available balance. Allpoint machines are in grocery stores, pharmacies, convenience stores, and standalone ATM locations. You can find the nearest one using the Allpoint locator on their website or through the Chime app.

MoneyLion ATMs are also free for Chime users and work the same way. Both networks are available 24/7. If you use an ATM outside these two networks — such as a bank ATM or a different network's machine — that operator may charge you $2 to $3 per transaction. Chime does not reimburse out-of-network fees.

Transferring savings to your checking account

Moving money from Chime savings to Chime checking is instantaneous and costs nothing. Open the Chime app, go to your savings account, select "Transfer," choose your checking account as the destination, enter the amount, and confirm. The money appears in your checking account immediately. From there, you can spend it with your debit card, withdraw it at an ATM, or transfer it to another bank.

This route is useful if you want to move money out of Chime entirely. Once it is in your checking account, you can initiate an external transfer to another bank account you own. External transfers typically take 1 to 3 business days, depending on the receiving bank.

Requesting a paper check

Chime allows you to request a check drawn on your savings account through the app. Go to your savings account, select the menu, and choose "Request a Check." Enter the amount and recipient information. Chime mails the check to the address on file, and it usually arrives within 7 to 10 business days.

Paper checks are slower than other methods and are best used when you need to pay someone who does not accept electronic transfers or when you want a physical record of the transaction. There is no fee to request a check.

Limits on how much you can withdraw

Chime does not set a daily withdrawal limit for savings accounts. You can withdraw your entire balance in a single transaction if you choose. However, the ATM network you use may have its own limits — Allpoint machines typically allow up to $500 per transaction, though some allow more. If you need more than the ATM limit, you can make multiple withdrawals or transfer the money to your checking account and withdraw from there.

Your bank account itself may have a limit based on how much you have deposited. You cannot withdraw more than your available balance.

What to do if you cannot access your savings

If your Chime card is lost, stolen, or frozen, you can still access your savings through the app. Log in, transfer money to your checking account, and either use your digital card (if you have one set up) or request a new physical card. A replacement card typically arrives within 3 to 5 business days.

If your account is locked due to suspicious activity, contact Chime customer service through the app or by phone. They will verify your identity and unlock the account if it is legitimate. During this time, you may not be able to withdraw or transfer money until the issue is resolved.

Moving money to another bank account

To send money from Chime savings to a bank account at another institution, first transfer it to your Chime checking account (instant), then initiate an external transfer from checking to the other bank. Open the Chime app, go to your checking account, select "Transfer," choose "External Transfer," and enter the receiving bank's routing and account numbers. The transfer takes 1 to 3 business days.

You can also use Chime's peer-to-peer transfer feature if you are sending money to another Chime user — that transfer is instant. For non-Chime recipients, the standard external transfer timeline applies.

Frequently Asked Questions

Can I withdraw money from my Chime savings account without a card?

Yes. You can transfer money to your checking account through the app and use your digital card, or request a paper check. You can also contact Chime customer service to request a withdrawal, though this is slower than using the app or an ATM.

Do I pay a fee to withdraw from Chime savings?

Chime does not charge withdrawal fees. Out-of-network ATMs may charge you $2 to $3, but Allpoint and MoneyLion machines are free for Chime cardholders.

How long does it take to transfer money from Chime savings to another bank?

Transfers from Chime savings to your Chime checking account are instant. External transfers from your checking account to another bank take 1 to 3 business days, depending on the receiving bank.

What is the maximum I can withdraw at one time?

You can withdraw your entire savings balance. ATM networks may limit individual transactions to $500, but you can make multiple withdrawals. Transfers through the app have no limit beyond your available balance.

Can I withdraw money if my Chime account is frozen?

If your account is frozen due to suspicious activity, you cannot withdraw or transfer until Chime unlocks it. Contact customer service through the app to verify your identity and restore access, which usually takes a few hours to a business day.