What ATMs Accept Chime & Where to Find Them Fee-Free

Chime, a financial technology company, provides a straightforward approach to managing finances, particularly for individuals who prefer digital banking. A common need for many is accessing physical cash, and Chime facilitates this through a large network of ATMs. Understanding how to use this network effectively can help account holders manage their funds without incurring unexpected costs.

Finding Chime’s Fee-Free ATM Network

Chime partners with MoneyPass, Allpoint, and Visa Plus Alliance networks, allowing members to withdraw cash without fees. Account holders can access over 50,000 fee-free ATMs nationwide, often located in retail stores such as Walgreens, CVS, 7-Eleven, Target, and Circle K.

The Chime mobile application’s ATM Finder feature is the most efficient way to locate nearby in-network ATMs, displaying them on a map and list. While Chime debit cards function anywhere Visa debit cards are accepted, using an ATM outside these designated networks will typically incur fees. Checking the app before a withdrawal helps ensure the ATM is part of the fee-free network.

Navigating ATM Fees and Withdrawal Limits

Using Chime’s in-network ATMs ensures no fees for cash withdrawals. However, transactions at ATMs outside this fee-free network incur a $2.50 fee from Chime. The out-of-network ATM operator may also impose their own surcharge, which varies by machine and location.

Chime sets a daily ATM withdrawal limit of $500. This limit applies to the total amount of cash withdrawn per day, with no restriction on the number of individual transactions, provided the total remains within this daily cap. Individual ATM owners or operators may enforce their own lower per-transaction or daily withdrawal limits. For over-the-counter withdrawals at a bank or credit union, a $2.50 fee also applies, with a daily limit of $500.

Troubleshooting and Security Tips

If an ATM fails to accept the card, a transaction declines unexpectedly, or the machine runs out of cash, these issues can often be resolved by seeking another in-network ATM or contacting support. Transaction declines might occur if a withdrawal attempts to exceed daily limits or if the ATM itself has lower limits.

Always be aware of your surroundings, and shield the keypad when entering your PIN to prevent unauthorized viewing. Before initiating a transaction, inspect the ATM for any unusual devices or alterations, such as card skimmers. Keeping transaction receipts provides a record for financial tracking and can be useful if a dispute arises. For persistent issues, Chime’s customer service can be reached by phone at 1-844-244-6363 or through the in-app chat feature, both available 24 hours a day, seven days a week.