Your Chime debit card unlocks access to over 50,000 fee-free ATMs across the United States. Whether you need cash at a grocery store, pharmacy, or convenience store, a chime ATM is rarely far away. Knowing exactly which networks to look for and what limits apply saves you from surprise fees and empty-handed trips.
How Chime's Fee-Free ATM Network Works
Chime partners with three ATM networks to give members no-fee cash access:
- MoneyPass -- thousands of ATMs at retailers, banks, and standalone kiosks nationwide
- Allpoint -- one of the largest surcharge-free networks, found at Target, CVS, Walgreens, and more
- Visa Plus Alliance -- additional fee-free ATMs rounding out the network
Use any ATM inside these networks and Chime charges you nothing. Step outside them and Chime charges $2.50 per transaction, on top of any operator surcharge the ATM owner adds. That adds up fast, so staying in-network is worth the extra minute of planning.
Chime is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. and Stride Bank, N.A., Members FDIC.
Chime
Chime
- Fee-free banking plus early pay access - Overdraft up to $200 without fees - 5% cash back and build credit everyday. - 3.75% APY on your savings.
Standout feature
No credit check, no interest, no annual fee, and no minimum deposit required.
Fees
$0
Pros
Fee-Free Banking and Get paid up to 2 days early
Cons
App/online-only support, no branches
Where to Find Chime ATM Locations Near You
The easiest way to find chime ATM locations is inside the Chime app itself. Open the app, tap the card icon, and select "Find ATMs." The map pins every fee-free ATM in-network near your current location.
You can also search the ATM-locator pages on the Allpoint website or MoneyPass website directly. Just type in your ZIP code and look for the nearest machine.
Common spots where you'll find free Chime ATMs include:
- Walgreens and Duane Reade -- Allpoint machines at most locations
- CVS Pharmacy -- Allpoint ATMs in many stores
- Target -- Allpoint machines at the entrance or near checkout
- 7-Eleven -- MoneyPass ATMs in thousands of stores
- Walmart -- MoneyPass ATMs in most supercenter locations
If the Chime app or the network locators don't show a result nearby, check chime.com for the most current list of participating locations, since the network changes over time.
Chime ATM Withdrawal Limit: What You Need to Know
Chime sets a $515 daily ATM withdrawal limit for Chime Checking Account holders. This is the chime ATM limit you'll hit per calendar day across all ATMs combined.
A few important notes on this limit:
- Individual ATM operators can set their own lower per-transaction caps, so you may hit that machine's limit before Chime's $515 ceiling.
- The $515 limit resets each calendar day at midnight Central Time.
- If you need more than $515 in a single day, plan ahead or use your Chime debit card for point-of-sale purchases, which have separate daily spending limits.
This chime withdrawal limit sits in line with what most neobanks and online checking accounts allow. It keeps accounts secure while still covering typical daily cash needs.
Chime ATM Deposit Limits
Chime ATMs are withdrawal-only. Cash deposits go through retail locations, not ATMs. You can deposit cash at over 100,000 retail spots including Walgreens (free), Walmart, CVS, and more. The standard cash deposit limit is $1,000 per day and up to $10,000 per month, though individual retailers may set lower per-transaction caps.
For full details on depositing cash, see our guide on how to add money to Chime.
How to Avoid Out-of-Network ATM Fees
Staying fee-free takes just a little habit-building:
- Check the app before you go. Open the Chime ATM locator before leaving home so you already know where you're headed.
- Shop at fee-free retailers. Walgreens, CVS, and Target almost always have in-network machines inside.
- Use cash back at checkout. Many grocery stores and pharmacies let you get cash back when you pay with a debit card -- no ATM fee at all.
- Avoid airports and tourist areas. These spots almost always run out-of-network ATMs with high surcharges.
If you do use an out-of-network ATM, Chime charges $2.50. The ATM operator may stack their own fee on top. Both fees hit your account separately.
What Happens If You Exceed the Chime ATM Limit?
If you try to withdraw more than $515 in a day, the ATM will decline the transaction. You won't be charged for the failed attempt. Your options at that point are:
- Return the next day once the limit resets
- Use your Chime debit card to make purchases directly instead of pulling cash
- Transfer funds to a different account if you need a large cash amount quickly
Building credit alongside your Chime checking account is a common next step. If you're curious how credit-building tools work, the article on how Chime Credit Builder works breaks it down.
Using Chime Internationally
Chime's fee-free ATM access applies within the United States. If you use your Chime debit card at an ATM outside the U.S., you will pay out-of-network fees plus any foreign transaction fees the operator charges. For frequent international travelers, it's worth checking whether a travel-focused debit card or account would lower those costs. Always confirm current international terms at chime.com before you travel.
How Chime Compares to Traditional Bank ATM Access
Many traditional banks charge $2.50 to $5.00 per out-of-network ATM use, plus the operator's surcharge. They may only have a few hundred or a few thousand proprietary ATMs.
Chime's 50,000+ fee-free locations through MoneyPass, Allpoint, and Visa Plus Alliance actually exceed the footprint of most regional banks. For someone who lives near a Walgreens, CVS, or Target, going fee-free is nearly effortless.
If you're comparing neobank options, take a look at our roundup of apps like Chime to see how the ATM access and fee structures stack up across competitors.
Chime
Chime
- Fee-free banking plus early pay access - Overdraft up to $200 without fees - 5% cash back and build credit everyday. - 3.75% APY on your savings.
Standout feature
No credit check, no interest, no annual fee, and no minimum deposit required.
Fees
$0
Pros
Fee-Free Banking and Get paid up to 2 days early
Cons
App/online-only support, no branches
Frequently Asked Questions
How many fee-free ATMs does Chime have?
Chime members have access to over 50,000 fee-free ATMs across the MoneyPass, Allpoint, and Visa Plus Alliance networks. These machines are found at major retailers like Walgreens, CVS, Target, Walmart, and 7-Eleven, as well as standalone kiosk locations nationwide.
What is the Chime ATM withdrawal limit per day?
The standard chime ATM withdrawal limit is $515 per calendar day. Individual ATM operators may apply their own lower per-transaction caps, so you could hit a machine's limit before reaching Chime's daily ceiling. The limit resets at midnight Central Time each day.
How do I find a free Chime ATM near me?
Open the Chime app and tap the card icon, then select "Find ATMs" to see in-network machines on a map near your location. You can also visit the MoneyPass or Allpoint network locators online and search by ZIP code. Common spots include Walgreens, CVS, Target, and 7-Eleven.
Does Chime charge a fee for out-of-network ATMs?
Yes. Chime charges $2.50 for each out-of-network ATM withdrawal. The ATM operator may also add their own surcharge on top of that. Staying within the MoneyPass, Allpoint, or Visa Plus Alliance networks keeps all ATM withdrawals completely free.
