Withdraw money from Chime Savings using the mobile app, debit card, or bank transfer

You can pull money out of your Chime Savings account three ways: through the Chime mobile app (the fastest method), by using your Chime debit card at any ATM, or by transferring funds to your Chime Checking account and then to an external bank. The app is the most direct route—you open it, tap the Savings account, select "Transfer," choose how much to move, and confirm. The transfer lands in your Checking account instantly, and you can then spend it or move it elsewhere.

ATM withdrawals work if you have a physical debit card linked to your account. Chime offers surcharge-free withdrawals at over 60,000 ATMs nationwide through the MoneyPass and Allpoint networks. You insert your card, enter your PIN, select the amount, and the cash comes out immediately. If you use an ATM outside these networks, Chime charges a fee (currently $2.50 per out-of-network withdrawal, though this can change).

Bank transfers take longer but work if you want to move money to another bank account you own. You initiate the transfer through the app by selecting your external bank account as the destination, entering the amount, and confirming. Standard transfers take one to three business days; expedited transfers (if your bank supports them) may arrive the same day or next business day, though Chime may charge a fee for this speed.

Key Takeaways

  • Transfers from Chime Savings to your Chime Checking account happen instantly through the mobile app and cost nothing.
  • ATM withdrawals are free at over 60,000 MoneyPass and Allpoint locations; out-of-network ATM withdrawals cost $2.50 each.
  • Moving money to an external bank account takes one to three business days and may incur a fee depending on your bank and transfer type.
  • You must have your Chime debit card to withdraw cash at an ATM; app-only transfers require a linked Chime Checking account.

Transferring from Savings to Checking through the app

Open the Chime app and tap on your Savings account tile. You will see your current balance and a row of action buttons below it. Select "Transfer" (not "Send Money"—that feature is for peer transfers). A screen will appear asking you to choose a destination account; select your Chime Checking account.

Enter the dollar amount you want to move. Chime does not impose a limit on how much you can transfer at once, though your Savings balance is the ceiling. Confirm the amount and tap "Transfer." The money moves to your Checking account instantly and is available to spend, withdraw, or send immediately. You will see the debit reflected in Savings and the credit in Checking within seconds.

Withdrawing cash at an ATM

Locate a MoneyPass or Allpoint ATM using the Chime app's ATM locator tool. Open the app, tap the menu icon, select "Find an ATM," and enter your location or zip code. The map will show you the nearest free ATMs. Allpoint machines are common in grocery stores, pharmacies, and convenience stores; MoneyPass locations include standalone ATM kiosks and bank branches.

Insert your Chime debit card into the ATM and enter your four-digit PIN. Select "Withdrawal," choose your account type (Checking or Savings—both work), and enter the amount. The ATM will dispense cash and print a receipt. The withdrawal posts to your account within minutes. If you use an out-of-network ATM (one not part of MoneyPass or Allpoint), Chime charges $2.50 per withdrawal, and your bank may charge an additional fee.

Transferring to an external bank account

Open the Chime app and go to your Savings account. Tap "Transfer" and select "External Account" or "Other Bank" (the exact wording varies by app version). If this is your first transfer to that bank, you will need to add the account. Enter the receiving bank's routing number, your account number at that bank, and the account type (Checking or Savings).

Enter the amount you want to transfer and confirm. Standard transfers take one to three business days; the money will appear in your external account once the transfer clears. Some banks and some Chime account types support next-business-day transfers, but these may carry a fee. Check your Chime account settings or contact Chime support to see if expedited transfers are available to you and what they cost.

Limits and fees to know

Chime does not cap how much you can transfer from Savings to Checking or how much you can withdraw at a free ATM in a single day. However, your Savings account balance is always the limit—you cannot withdraw more than you have. Some banks impose daily withdrawal limits on their own accounts; if you are transferring to an external bank, that bank's rules may apply to how quickly you can access the money once it arrives.

Out-of-network ATM withdrawals cost $2.50 per transaction. Expedited bank transfers (if available) may cost $1 to $3 depending on your account type and the receiving bank. Transfers to external accounts initiated after 5 p.m. ET on a business day or on weekends may not process until the next business day. Always check the app before you transfer to see the estimated arrival date.

What to do if a withdrawal fails or is delayed

If an ATM withdrawal is declined, the most common reason is an incorrect PIN. Try again, making sure you enter your four-digit PIN correctly. If it is declined a second time, your card may be temporarily locked for security reasons. Open the Chime app, go to your card settings, and check whether the card is active. If it shows as locked or inactive, tap to unlock it and try the ATM again.

If a bank transfer to an external account does not arrive within the stated timeframe, open the Chime app and check the transfer history. Look for the transaction and its status—it should show "Pending," "Processing," or "Complete." If it shows "Complete" but the money has not arrived at your external bank, contact that bank's customer service; the delay is usually on their end. If the transfer shows "Pending" or "Processing" after three business days, contact Chime support through the app to investigate.

Frequently Asked Questions

Can I withdraw money from Chime Savings without a debit card?

Yes. You can transfer from Savings to Checking through the app instantly, then spend the money using your debit card, mobile wallet, or online payment. You can also transfer to an external bank account without a card, though it takes one to three business days. ATM withdrawals require a physical debit card.

Is there a limit to how much I can transfer from Savings to Checking per day?

Chime does not impose a daily transfer limit between your own accounts. You can move as much as your Savings balance allows in a single transfer or multiple transfers. Your Savings balance is the only ceiling.

Why was my ATM withdrawal declined?

The most common reasons are an incorrect PIN, a locked or inactive card, or insufficient funds. Check your PIN and try again. If declined twice, open the Chime app and verify your card is active. If your balance is low, transfer money from Savings to Checking first, then try the ATM again.

How long does it take to transfer money to another bank?

Standard transfers take one to three business days. Some account types support next-business-day or same-day transfers, but these may cost $1 to $3. Transfers initiated after 5 p.m. ET or on weekends process the next business day.

Do I pay a fee to transfer from Savings to Checking?

No. Transfers between your Chime Savings and Checking accounts are free and instant. Fees apply only to out-of-network ATM withdrawals ($2.50) and some expedited bank transfers to external accounts.