Chime’s daily ATM withdrawal limit is $515 on the standard debit card, and up to $1,015/day on the Credit Builder secured card. Withdrawals are free at any of 47,000+ Allpoint, Visa Plus Alliance, and FCTI network ATMs; out-of-network withdrawals cost $2.50 each. Chime has no proprietary ATM network — its fee-free access comes entirely through these network partnerships. (Individual limits can vary by account history — confirm yours in the Chime app.)
Chime ATM Limits at a Glance
| Limit | Amount |
|---|---|
| Daily ATM withdrawal limit (debit card) | $515 |
| Daily ATM withdrawal limit (Credit Builder card) | Up to $1,015 |
| In-network ATM fee | $0 |
| Out-of-network ATM fee | $2.50 |
| Free ATM network size | 47,000+ |
| ATM networks | Allpoint + Visa Plus Alliance + FCTI (7-Eleven/Speedway) |
| Out-of-network reimbursement | None |
| Limit reset time | Midnight Arizona time |
Chime’s Free ATM Network: 47,000+ Locations
Chime partners with several nationwide fee-free ATM networks:
- Allpoint and Visa Plus Alliance: ATMs at CVS, Walgreens, Target, Costco, and many bank branches nationwide
- FCTI: ATMs located inside 7-Eleven and Speedway convenience stores
Combined, these networks give Chime members access to more than 47,000 fee-free ATMs.
Find a free Chime ATM:
- Tap the ATM icon in the Chime app’s home screen
- Search at chime.com/online-banking/atms
The $515 Daily Limit: What It Covers
The $515 daily limit applies to ATM cash withdrawals on the standard debit card only. It does not apply to:
- Debit card purchases (a separate daily spending limit applies — check the app for your exact figure)
- Cashback at point of sale (does not count toward ATM limit)
- Pay Anyone transfers
- ACH bank transfers
Getting more cash than the ATM limit allows:
- Cashback at checkout — cashback at many retailers (Walmart, Kroger, etc.) is separate from the ATM limit
- Over-the-counter withdrawal — you can request a teller cash advance at a bank or credit union using your Chime Visa debit card, subject to the same $515 daily cap
- SpotMe covers up to $200 in ATM withdrawals for eligible members but doesn’t raise the $515 cap
Out-of-Network ATM Fees
For ATMs outside the Allpoint/Visa Plus Alliance/FCTI networks:
| Fee Component | Amount |
|---|---|
| Chime’s out-of-network fee | $2.50 |
| ATM operator surcharge (typical) | $2.50–$4.00 |
| Total typical cost | $5.00–$6.50 |
Chime does not reimburse the ATM operator’s surcharge — unlike Schwab, Ally, or USAA Performance Checking which offer ATM fee reimbursement. For frequent out-of-network withdrawals, the $2.50 fee accumulates quickly.
Chime Credit Builder Card: A Higher ATM Ceiling
Chime’s secured Credit Builder Visa Credit Card can also be used at ATMs, with a daily withdrawal limit of up to $1,015 or your Available to Spend balance, whichever is lower. Because Credit Builder spending is backed by money you’ve already moved onto the card, this gives members with a higher balance a way to access more cash in a single day than the standard $515 debit card limit allows.
International ATM Use with Chime
Chime debit cards work internationally at ATMs on the Visa network:
- Foreign transaction fee: $0
- Out-of-network ATM fee: $2.50 applies internationally
- Currency conversion: Uses the Visa network exchange rate
- International ATM operator surcharges: Not reimbursed
For international travel, the $515/day limit and $2.50 fee per withdrawal (plus any local surcharge) make Chime workable but not ideal. Consider carrying a Schwab or Fidelity card as a backup for fee-free ATM access worldwide, and confirm your personal limit in the app before you travel.
Related Guides
- Chime transfer limits 2026 — Pay Anyone, ACH, and Instant Transfer details
- Chime fees 2026 — full fee schedule, SpotMe overdraft, no monthly fee
- Chime minimum balance 2026 — $0 minimum at all times
- Chime customer service 2026 — 1-844-244-6363, 24/7 support
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