Chime ATM Withdrawal and Deposit Limits: What ATMs Can I Use With Chime?

By Mathhew Paul On Jul 24, 2022

In addition to the Chime Visa® debit card, automated savings, and even credit-building tools, Chime is a financial technology firm that offers many more advantages to its users. But there’s one thing about it that annoys a lot of people: it has no actual place. This necessitates the use of additional sources of funding.

Because there aren’t any actual establishments, people may be worried about high ATM fees and being unable to withdraw cash. In order to provide fee-free services, Chime has established a widespread network of ATMs and other tools.

What Is the Atm System of Chime?

A vast ATM network with no in-network ATM fees is provided by Chime. Members of Chime’s ATM network get access to over 60,000 fee-free ATMs through partnerships with MoneyPass and VisaPlus Alliance.

Visa

Visa® is a well-known and generally accepted form of payment that is widely accepted. If an ATM supports Visa® debit cards, Chime’s debit cards can be used as well.

MoneyPass

More than 1,900 organizations and 125 million customers are part of the MoneyPass network, which is less well recognized. This means that finding a fee-free ATM that accepts either MoneyPass or VisaAlliance is simple.

Chime ATM Locator

In addition to ATM and Cash Back Finder, Chime’s website and mobile app have an ATM Locator. If you have the most recent version, you’ll see an ATM Map down in the right-hand corner of the screen. Your current location will be displayed on a map that includes ATMs near you as well as prominent retailers that give cash back.

Fees for Using an Atm Outside of Your Bank’s Network

ATMs that are not part of Chime’s extensive network charge a service fee of up to two and a half dollars ($2.50). This is the fee charged by Chime, not the ATM company. The ATM operator often adds an extra cost that is not included in Chime’s price.

Withdrawal and Deposit Limits for The Chime Atm

Set withdrawal and deposit restrictions in Chime in order to maintain proper operations, give top-notch customer service and adhere to all applicable laws.

Maximum Amounts Permitted for Chime Withdrawal

When using your Chime Visa debit card, there is no limit on the number of times you can withdraw money each day. As with most financial institutions, Chime restricts the amount of money you can withdraw in a single transaction.

Withdrawals from Automated Teller Machines

Individual ATMs may have lower limitations than Chime’s, so keep that in mind. Make as many withdrawals as necessary in order to receive the amount you require.

When You Buy Something, You Get Your Money Back

Cash back from participating retailers including Walmart, Target, and Winn Dixie is included in this. Each merchant has a maximum cashback amount like ATMs. Some allow up to $100, while others may only allow $40.

Withdrawal Over the Counter

A Chime Visa® or Debit Card is required to make a withdrawal at a bank or credit union teller window. Each transaction incurs a $2.50 charge from Chime, which is a standard fee. The bank or credit union’s own fees are not included in this charge.

A Pin and Signature Are Required for All Card Purchases

Including ATM withdrawals, over-the-counter withdrawals, cash backs, purchases, and fees; your total daily withdrawals must not exceed $2,500.

Deposits

There are a number of ways to deposit money into your Chime account despite the fact that ATMs do not accept cash.
Automated Clearing House (ACH)
As a result of Chime, the direct deposit has become a breeze. In this manner:
Using the app’s “Move Money” feature.
If your company requires a routing number and account number, you’ll be taken to a page with those details.
Printing or emailing the form to your employer can then be done at this point.
Amounts that can be deposited by direct deposit are currently unlimited.

Transfer of Money

In order to easily move money from your Chime app to your checking account, tap “Move Money,” then “Transfers.” Using your optional savings account, you can transfer up to six times per month.

If the bank institution you want to transfer money from is supported, you can do so. Transfers of up to $200 per day and $1,000 per month are possible, however, the processing time can range from a few days to several weeks.

Depositing a Check with A Mobile Phone

Using Chime’s mobile check deposit1 feature, you may simply deposit a traditional check into your account. To get your money, all you need is a few photos and a few lines of text.

Deposit of Money

Depositing cash can also be done in over 90,000 retail locations. Funds for your Chime Spending Account are loaded by retailers using third-party providers like Green Dot. Included in this group are:

The Dollar Store
Walgreens
CVS
Pharmacy Rite Aid
K is for circled here.
Walmart
7-Eleven
It’s called Kwik Trip.
The Dollar Store

Possible Substitutes for An Atm that Plays a Chime

Cashing out of your account is easier if you don’t have to go through the bother of finding ATMs that don’t charge fees. Cashback stores are the simplest way to get started. Taking $20 or $100 out of your wallet each time you go shopping is free and handy since you have to do it anyhow.

The next step is to get a cash withdrawal from the bank. A daily profit of an additional $500 is now possible. Even though there will be a fee, the fee is likely to be lower than using an ATM that is not part of your bank’s network.

What’s at Stake

Anybody looking for an easy-to-use online financial tool will find Chime to be a wonderful resource. Since its founding, Chime has worked hard to build an extensive network that can meet the demands of its members and give them a wide range of alternatives.

To keep its members in mind, the company is always updating and improving its technology and delivery methods.