Withdraw money from Chime savings using the debit card, ATM, or transfer to checking

You can pull money out of your Chime savings account three ways: swipe your Chime debit card at any ATM, use your debit card to make a purchase and get cash back, or transfer the money to your Chime checking account and spend it from there. The debit card works at over 60,000 ATMs nationwide through the Allpoint network, plus any ATM run by your bank or a partner bank. Transfers between your own Chime accounts happen instantly and cost nothing.

The main limit is how much you can withdraw in a single day. Chime sets a daily ATM withdrawal limit of $500, though this can vary based on your account history and activity. If you need more than $500 in a single day, you will have to make multiple withdrawals across different days, or transfer money to checking and withdraw from there instead.

There is no fee to withdraw from an Allpoint ATM or a bank ATM that Chime partners with. If you use an out-of-network ATM, Chime does not charge you, but the ATM operator may charge their own fee—usually $1 to $3. You can avoid this by sticking to Allpoint locations, which you can find through the Chime app.

Key Takeaways

  • ATM withdrawals from Chime savings are free at Allpoint network machines and partner bank ATMs, with a daily limit of $500.
  • You can transfer money instantly from savings to checking at no cost, then withdraw or spend from checking without daily limits.
  • Cash back at a store when you swipe your debit card counts as a withdrawal and is subject to the same $500 daily limit.
  • Out-of-network ATMs may charge you a fee, but Chime itself does not charge for the withdrawal.

Using an ATM to withdraw from savings

Insert your Chime debit card into an Allpoint ATM or a bank ATM, enter your PIN, and select "Withdrawal" from the menu. Choose "Savings" as the account you want to withdraw from, then enter the amount. The machine will dispense cash and print a receipt. The transaction posts to your account immediately.

Allpoint ATMs are the easiest option because they are everywhere—grocery stores, pharmacies, convenience stores, and standalone ATM kiosks. To find one near you, open the Chime app, tap the card icon, and select "Find ATMs." The app shows Allpoint locations and partner bank ATMs on a map. Partner banks include Chase, Bank of America, Wells Fargo, and others depending on your region.

If you use an ATM that is not part of Allpoint or a partner network, the machine's operator will usually charge you a fee before dispensing cash. Chime does not refund these fees, so check the screen before you confirm the withdrawal.

Transfer money from savings to checking instead

If you need more than $500 or want to avoid ATM fees, move money from savings to checking and withdraw from there. Open the Chime app, go to "Transfers," select "Between My Accounts," choose savings as the source and checking as the destination, enter the amount, and confirm. The money lands in checking instantly with no fee.

Chime checking does not have a daily withdrawal limit, so you can pull out as much as you transferred. You can withdraw at any Allpoint ATM or partner bank ATM the same way you would from savings, or use your debit card to make purchases or get cash back at a store. This route is useful if you regularly need more than $500 at once.

The downside is that money in checking is easier to spend than money in savings, since both accounts use the same debit card. If you are trying to keep savings separate, moving money over defeats that purpose. But if you need access to a large amount, this is the fastest way.

Get cash back at a store when you pay with your debit card

Swipe or insert your Chime debit card at a checkout, tell the cashier how much cash back you want, and they will add it to your total. The money comes out of whichever account is linked to your card—usually checking, but you can change this in the app. Cash back counts toward your daily ATM withdrawal limit if it is coming from savings.

This method is free and works at most grocery stores, pharmacies, and retailers. You do not have to find an ATM or worry about out-of-network fees. The downside is that you have to make a purchase to get cash, and the amount is limited by what the store allows—usually $20 to $100 depending on the retailer.

What happens if you hit your daily withdrawal limit

If you try to withdraw more than $500 from savings in a single day, the ATM or the Chime app will decline the transaction. You will see an error message saying the amount exceeds your daily limit. You can try again the next day, or transfer money to checking and withdraw from there instead.

The $500 limit resets at midnight Eastern Time every day. If you withdrew $300 today, you can withdraw another $200 tomorrow before hitting the limit again. Chime counts all ATM withdrawals and cash-back transactions toward this limit, regardless of which ATM or store you use.

If you regularly need more than $500 per day, contact Chime support through the app to ask about raising your limit. They may increase it based on your account history, but there is no may provide. The transfer-to-checking method is a more reliable workaround.

Timing and when the money leaves your account

ATM withdrawals post immediately. The money leaves your savings account the moment the ATM dispenses it, and your balance updates in the app within seconds. Transfers between your Chime accounts also happen instantly—you will see the money in checking right away.

If you withdraw cash and then change your mind, you cannot reverse the transaction. The money is gone. Make sure you need the cash before you complete the withdrawal.

Frequently Asked Questions

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

No. Chime does not offer checks, and you cannot withdraw cash in person at a branch because Chime is an online bank with no physical locations. You must use your debit card at an ATM or transfer the money to checking first.

Does Chime charge a fee to withdraw from savings?

Chime does not charge you to withdraw from savings at an Allpoint ATM or partner bank ATM. Out-of-network ATMs may charge their own fee, but that comes from the ATM operator, not Chime.

What if I need to withdraw more than $500 in one day?

Transfer money from savings to checking, which has no daily withdrawal limit. The transfer is instant and free. Then withdraw from checking at an ATM or get cash back at a store.

How do I find an Allpoint ATM near me?

Open the Chime app, tap the card icon, and select "Find ATMs." The app shows Allpoint locations and partner bank ATMs on a map with addresses and hours. You can also visit the Allpoint website and search by zip code.

If I withdraw cash, can I put it back into my Chime account?

No. Chime does not accept cash deposits. If you need to add money back to your account, you must transfer it from a bank account using ACH, or have someone send you money through a peer transfer app like Venmo or PayPal.