You can withdraw from your Chime savings account at any ATM in the Allpoint or MoneyLion networks, but not at every ATM everywhere

Chime does not issue a separate debit card for your savings account. Instead, you withdraw savings money using your Chime debit card at ATMs that belong to the Allpoint or MoneyLion networks. These networks include ATMs at grocery stores, convenience stores, pharmacies, and standalone ATM kiosks across the United States. You cannot withdraw from your savings at ATMs operated by traditional banks like Chase or Bank of America unless those ATMs happen to be part of Allpoint or MoneyLion.

The withdrawal goes directly from your savings balance to your hand. There is no transfer step or waiting period. The money leaves your savings account immediately, just as it would at a bank branch.

Chime's debit card works at both your checking and savings accounts. When you insert the card and enter your PIN, the ATM does not ask which account to withdraw from — it pulls from your checking account by default. To withdraw from savings instead, you must use the ATM menu to select "savings" or "other account" before completing the transaction. If you do not change the account selection, the money comes out of checking.

Key Takeaways

  • Chime savings withdrawals work only at Allpoint and MoneyLion network ATMs, not at bank ATMs or random independent machines.
  • Your Chime debit card accesses both checking and savings, but the ATM defaults to checking unless you select savings from the menu.
  • You can find Allpoint and MoneyLion ATMs using the Chime app or by searching their websites before you leave home.
  • Withdrawals from savings happen instantly with no fees, but some ATM operators may charge their own surcharge if they are not part of Chime's partner networks.
  • If you cannot find a partner ATM nearby, you can transfer money from savings to checking in the Chime app and withdraw from checking at any ATM.

Finding an Allpoint or MoneyLion ATM near you

The Chime mobile app includes an ATM locator. Open the app, tap the menu icon, select "Find ATMs," and the app will show you Allpoint and MoneyLion machines within a set distance of your location. You can also visit the Allpoint website (allpointnetwork.com) or the MoneyLion website and use their ATM finders directly. Both let you search by zip code or address.

Allpoint ATMs are more common and appear in most urban and suburban areas. You will find them inside Walgreens, CVS, Whole Foods, Kroger, Target, Walmart, and many independent convenience stores. MoneyLion ATMs are less widespread but still available in many cities. If you are traveling or in a rural area, the app search may show no nearby options — in that case, transferring money to checking first is your best route.

How to select savings at the ATM

When you insert your Chime debit card and enter your PIN, the ATM screen will show account options. Look for a button or menu item that says "Savings," "Other Accounts," or "Select Account." Tap or press that option. The ATM will then ask you to confirm which account you want to withdraw from. Select "Savings" and proceed with your withdrawal amount.

If the ATM does not show an account selection menu, it is not set up to let you choose between accounts — this is rare but can happen at older or simpler ATMs. In that case, the withdrawal will come from checking only. You can try a different ATM, or transfer the money to checking in the Chime app and withdraw from there.

Transferring from savings to checking if you cannot find a partner ATM

If no Allpoint or MoneyLion ATM is within reach, move money from savings to checking in seconds using the Chime app. Open the app, go to your accounts, select "Transfer," choose "Savings to Checking," enter the amount, and confirm. The transfer is instant. Your checking account balance updates right away, and you can then withdraw from any ATM.

This is also useful if you are at an ATM that does not let you select which account to withdraw from. Rather than guessing whether the machine will work, transfer first and withdraw second.

ATM fees and surcharges

Chime does not charge you a fee when you withdraw from savings at an Allpoint or MoneyLion ATM. However, the ATM operator itself may charge a surcharge — this is a fee the ATM owner adds on top of the withdrawal. Surcharges vary by location and operator, typically ranging from $1 to $3 per transaction, though some machines charge more. The ATM screen will tell you the surcharge amount before you complete the withdrawal, and you can cancel if you do not want to pay it.

ATMs inside banks or operated by other financial institutions usually do charge surcharges when you use them with a Chime card. This is another reason to stick with Allpoint and MoneyLion machines — many of them are surcharge-free, especially those inside major retailers.

What happens if the withdrawal fails

If the ATM declines your withdrawal, the most common reasons are insufficient funds in your savings account, a temporary network issue, or a card problem. Check your Chime app to confirm your savings balance. If the balance is there but the ATM still declines, try a different ATM. If multiple ATMs decline the same card, contact Chime support through the app or by phone to check whether your card has been locked or flagged.

Chime may temporarily lock your card if it detects unusual activity. Support can unlock it immediately once they verify it is you. If your card is damaged or expired, you will need to order a replacement through the app, which takes 5 to 7 business days.

Withdrawing large amounts from savings

Chime does not publish a daily ATM withdrawal limit, but most users report being able to withdraw several hundred dollars per day without issue. If you need to withdraw a very large amount — $1,000 or more — contact Chime support before you go to the ATM. They can temporarily raise your limit or let you know if there are any blocks on your account. Attempting a large withdrawal without notice may trigger a fraud hold, which delays the transaction.

If you need to withdraw more than ATMs allow, transfer money from savings to checking in the Chime app and use multiple ATMs over a few days, or contact support to arrange a higher limit.

Frequently Asked Questions

Can I withdraw from my Chime savings at a bank ATM?

Only if that bank's ATM is part of the Allpoint or MoneyLion network. Most traditional bank ATMs (Chase, Bank of America, Wells Fargo) are not part of these networks, so they will not let you access your Chime savings. Stick with Allpoint and MoneyLion machines, or transfer to checking first.

What if I withdraw from checking by mistake instead of savings?

The money comes out of your checking account instead. You can transfer it back to savings in the Chime app right away. Go to "Transfer," select "Checking to Savings," enter the amount, and confirm. The transfer is instant.

Do I need a PIN to withdraw from savings at an ATM?

Yes. You must enter your Chime debit card PIN to complete any ATM withdrawal. If you forgot your PIN, you can reset it in the Chime app under "Card Settings" or by calling Chime support.

Can I withdraw from my savings account without using the ATM?

Not directly. Chime does not have physical branches where you can withdraw over the counter. Your options are ATM withdrawal at Allpoint or MoneyLion machines, or transfer to checking and then withdraw from checking at any ATM.

What if the Allpoint ATM says my card is not recognized?

This is rare but can happen if the ATM is outdated or having a network issue. Try a different Allpoint or MoneyLion ATM. If multiple machines reject your card, contact Chime support to check whether your card is active and whether there is a block on your account.