The fastest way to get your money out

You can withdraw money from your Chime savings account in four ways: use the Chime debit card at any ATM, transfer it to your linked checking account, request a direct transfer to an external bank account, or withdraw cash at a retail location that offers cash back. The debit card at an ATM is usually fastest—the money leaves your account immediately. Transfers between your own Chime accounts (savings to checking) also happen right away. Moving money to a bank outside Chime takes one to three business days.

Chime does not charge you a fee to withdraw your own money, regardless of which method you use. However, the ATM or bank you use might charge a fee if it is not part of the Allpoint or MoneyLion network that Chime partners with. Retail cash back (at stores like Walmart or Target) is free and counts as a withdrawal from your savings account.

Key Takeaways

  • ATM withdrawals using your Chime debit card are instant and free at Allpoint and MoneyLion network ATMs, which number over 60,000 in the United States.
  • Transferring money from Chime savings to Chime checking happens immediately and costs nothing.
  • Sending money to an external bank account takes one to three business days and requires you to add that bank as a linked account first.
  • Cash back at retail stores is free and instant, making it a good option if you need cash and are already shopping.
  • Chime does not charge withdrawal fees, but ATMs outside their partner networks may charge you a fee.

Withdrawing cash at an ATM

Insert your Chime debit card into any ATM and enter your PIN. Select "Withdrawal," choose your savings account, and enter the amount. The cash dispenses immediately and the money leaves your account right away. You will see the transaction in your Chime app within seconds.

Use an ATM in the Allpoint or MoneyLion network to avoid fees. Chime's website has a locator tool where you can search by ZIP code to find free ATMs near you. If you use an ATM outside these networks, the ATM operator may charge you a fee (typically $2 to $3), and that fee will come out of your account. Some banks also charge their own customers a fee for using an out-of-network ATM; Chime does not refund those fees.

Daily ATM withdrawal limits depend on your account history and Chime's fraud detection. New accounts typically have lower limits (often $500 per day), while established accounts may have higher limits. You can check your current limit in the Chime app under account settings.

Transferring money to your Chime checking account

If you have both a Chime savings and checking account, you can move money between them instantly at no cost. Open the Chime app, go to the account tab, and select "Transfer." Choose savings as the source and checking as the destination, enter the amount, and confirm. The money appears in your checking account immediately.

This method is useful if you want to use your debit card to spend the money (since the debit card is linked to checking, not savings) or if you want to move funds before making a payment. There is no limit on how many transfers you can make between your own Chime accounts.

Sending money to a bank outside Chime

To move money from Chime savings to an external bank account, you must first link that bank account in the Chime app. Go to Settings, select "Linked Accounts," and choose "Add Bank Account." You will need the routing number and account number for the external bank. Chime will verify the account by depositing two small amounts (usually under $1 each) into it, which takes one to two business days.

Once the account is verified, you can transfer money to it. Open the app, select "Transfer," choose your external bank as the destination, enter the amount, and confirm. The transfer takes one to three business days to complete. Chime does not charge a fee for outgoing transfers, but your external bank might charge you a fee for receiving an external transfer—check with your bank first.

Transfers initiated on a weekend or holiday begin processing the next business day. If you initiate a transfer on Friday afternoon, it will not start moving until Monday, so plan ahead if you need the money by a specific date.

Getting cash back at stores

Use your Chime debit card to make a purchase at a retail store and ask for cash back. The cashier will add the cash amount to your total bill. The money comes out of whichever account your debit card is linked to (usually checking, but you can change this in settings). The transaction is instant and free.

Most major retailers accept cash back, including Walmart, Target, CVS, Walgreens, grocery stores, and gas stations. There is no minimum purchase required at most stores, though some may ask you to buy something small. This method is convenient if you are already shopping and need cash without making a separate trip to an ATM.

What to do if you cannot access your money

If your Chime account is frozen or locked, you cannot withdraw money until the issue is resolved. This can happen if Chime detects suspicious activity, if your account is overdrawn, or if there is a dispute. Contact Chime support through the app or by phone to find out why your account is locked and what steps are needed to unlock it.

If your debit card is lost or stolen, you can freeze it instantly in the Chime app under "Card Controls." A replacement card will be mailed to you, usually within five to seven business days. Until it arrives, you can still withdraw money using ATMs (if you remember your PIN) or by requesting cash back at stores if you have a temporary card.

If you forgot your PIN, you can reset it in the Chime app or by calling Chime support. If you are locked out of the app itself, use the "Forgot Password" option on the login screen to regain access.

Understanding daily and monthly limits

Chime sets daily withdrawal limits that vary based on your account age and history. New accounts often start with a $500 daily ATM limit, while older accounts may have limits of $1,000 or more. You can check your current limit in the app. If you need to withdraw more than your daily limit, you can make multiple withdrawals on different days, or contact Chime support to request a temporary increase.

Transfers to external banks are not subject to the same daily limits as ATM withdrawals, but Chime may flag unusually large transfers for review. There is no monthly limit on how much you can withdraw in total, only daily caps on individual ATM transactions.

Frequently Asked Questions

Can I withdraw money from my Chime savings account without a debit card?

Yes. You can transfer money to your Chime checking account (instant) or to an external bank account (one to three business days), then withdraw it from there. You can also request cash back at a store using your debit card, or contact Chime support to discuss other options if your card is unavailable.

How long does it take to transfer money from Chime savings to an external bank?

One to three business days. The transfer begins processing the next business day if you initiate it on a weekend or holiday. Once it arrives at your external bank, that bank may take an additional day to post it to your account, depending on their processing schedule.

Will I be charged a fee to withdraw money from my Chime savings account?

Chime does not charge withdrawal fees. However, ATMs outside the Allpoint and MoneyLion networks may charge you $2 to $3 per transaction. Your external bank may also charge a fee for receiving transfers from Chime, so check with them first.

What happens if I try to withdraw more than my daily limit?

The ATM will decline the transaction if you try to withdraw more than your daily limit in a single transaction. You can make another withdrawal the next day, or contact Chime support to request a temporary increase to your limit if you have a specific need.

Can I withdraw money from my Chime savings account at any ATM?

You can withdraw at any ATM, but you will avoid fees by using Allpoint or MoneyLion network ATMs. Use the ATM locator on Chime's website to find free ATMs near you. Out-of-network ATMs may charge you a fee, which will be deducted from your account.