You can withdraw cash from any ATM that displays the Visa, Allpoint, MoneyLion, or CO-OP network logos — not just banks.

Chime doesn't run its own ATM network. Instead, your Chime debit card works at ATMs owned by other banks and independent networks. The largest network for Chime cardholders is Allpoint, which includes over 55,000 ATMs worldwide. You can also use Visa ATMs (found at most major banks), MoneyLion ATMs (a smaller network), and CO-OP ATMs (used by credit unions and some regional banks).

The key difference: some ATM networks charge you a fee, and some don't. Chime reimburses out-of-network ATM fees up to a certain amount per month, depending on your account type. This means you can use almost any ATM without paying out of pocket, but the reimbursement has limits.

Key Takeaways

  • Allpoint ATMs are free and have the widest coverage; you can find one using the Chime app's ATM locator.
  • Visa ATMs at major banks charge a fee, but Chime reimburses up to $2.50 per transaction for most account types.
  • You can also withdraw cash at grocery stores, pharmacies, and retailers that offer cash back with a debit card purchase.
  • Chime's reimbursement limits vary by account type, so check your account details to see how many out-of-network fees are covered each month.
  • The Chime mobile app shows you the nearest free ATM before you withdraw, so you can avoid fees entirely.

Allpoint ATMs: The largest free network for Chime

Allpoint is Chime's primary ATM partner and the easiest way to withdraw cash without fees. The network includes over 55,000 ATMs in the United States and millions more internationally. You'll find Allpoint ATMs in convenience stores, grocery stores, pharmacies, and standalone kiosks in most neighborhoods.

To find an Allpoint ATM near you, open the Chime app, tap the ATM icon, and search by location. The app shows you the address, hours, and exact distance. Withdrawals at Allpoint ATMs are always free — there's no transaction fee and no reimbursement delay because Chime covers the cost directly.

Visa ATMs at banks: How reimbursement works

Your Chime card carries the Visa logo, so you can withdraw cash at any bank ATM that accepts Visa. This includes Chase, Bank of America, Wells Fargo, Citibank, and thousands of regional and local banks. However, most banks charge a fee when you use an ATM you don't have an account with — typically $2 to $3 per withdrawal.

Chime reimburses these fees automatically. The reimbursement amount depends on your account type: most standard Chime accounts reimburse up to $2.50 per out-of-network transaction. Premium accounts (Chime Cash or Chime Credit Builder) may have higher reimbursement limits. The reimbursement appears in your account within one to three business days, so you won't see the fee reversed immediately, but you won't pay it out of pocket.

To check your reimbursement limit, log into the Chime app, go to Settings, and look for ATM fee reimbursement details under your account type.

Cash back at stores: An alternative to ATMs

You don't have to use an ATM at all. Any store that accepts debit cards — grocery stores, pharmacies, gas stations, retailers like Target or Walmart — will give you cash back when you make a purchase. There's no fee for this, and it's often faster than finding an ATM.

The amount you can withdraw varies by store. Most allow $20 to $100 in cash back per transaction, though some permit more. You'll need to make a purchase to use this option, but if you're buying something anyway, it's the cheapest way to get cash.

MoneyLion and CO-OP networks: Smaller but useful

MoneyLion is a smaller ATM network with around 30,000 machines, mostly in urban areas and at retailers. CO-OP is a credit union network with about 30,000 ATMs as well. Both networks accept Chime cards, though they're less convenient than Allpoint if you live in a rural area.

Fees at MoneyLion and CO-OP ATMs vary. Some are free, but others charge $1 to $3 per withdrawal. Chime's reimbursement policy covers these fees the same way it covers Visa ATM fees — up to your account's limit, reimbursed within one to three business days.

International ATM withdrawals: What to expect

Chime's Allpoint network includes ATMs in over 200 countries, so you can withdraw cash abroad without opening a new account or carrying traveler's checks. Allpoint ATMs abroad are free to use, just like domestic ones.

However, your bank may charge a foreign transaction fee on top of the ATM fee — this is separate from what the ATM operator charges. Chime does not charge foreign transaction fees on ATM withdrawals, but some banks do. Check your account details before traveling to confirm whether your account type includes this protection.

What happens if you exceed your reimbursement limit

If you withdraw from out-of-network ATMs more than your account allows, you'll pay the fee out of pocket for transactions beyond your limit. For example, if your account reimburses four out-of-network fees per month and you make six withdrawals at bank ATMs, you'll pay for the fifth and sixth withdrawals yourself.

To avoid this, use Allpoint ATMs for most withdrawals and save out-of-network ATMs for emergencies. The Chime app tracks how many reimbursements you've used in the current month, so you can see when you're approaching your limit.

Frequently Asked Questions

Can I withdraw money from a bank I don't have an account with?

Yes. Your Chime card works at any bank's ATM that accepts Visa. You'll pay a fee (usually $2 to $3), but Chime reimburses it up to your account's monthly limit. Allpoint ATMs are free and don't count against your reimbursement limit.

Do I need a PIN to withdraw cash?

Yes. You set up a PIN when you open your Chime account. You'll need it to withdraw cash at any ATM. If you forget your PIN, you can reset it in the Chime app under Settings.

What's the daily withdrawal limit?

Chime typically allows $500 to $2,000 per day in ATM withdrawals, depending on your account age and history. The limit resets at midnight. If you need more cash, contact Chime support to request a temporary increase.

Can I withdraw cash at a Chime branch?

Chime doesn't have physical branches. It's an online bank, so you can't walk into a location to withdraw cash. You must use ATMs, cash back at stores, or transfer money to another bank account.

What if an ATM doesn't accept my Chime card?

This is rare, but it can happen at very old or specialized ATMs. If an ATM rejects your card, try another one nearby or use cash back at a store instead. If you're stuck, you can transfer money to a friend's account or to another bank account you control using the Chime app.