Need cash from your Chime account? You don’t need a special “Chime ATM” — you need ATMs that work with your Chime Visa® Debit Card and, when possible, are fee-free in the Allpoint® or MoneyPass® networks. This guide explains how to find a Chime ATM near you, which ATMs are fee-free, how cardless/cash-back options work, and what to know about fees, limits, and safety.
Quick answers
- Is there a “Chime ATM”? Not exactly. You’ll use your Chime Visa Debit Card at ATMs that accept Visa — with fee-free access at qualifying Allpoint and MoneyPass locations.
- How do I find a fee-free Chime ATM near me? Use the Chime app → Move Money → ATM Map (or “Find an ATM”) and look for in-network locations, or search Google Maps for “Allpoint ATM near me” or “MoneyPass ATM near me.”
- No card with you? Chime doesn’t support true cardless ATM withdrawals yet. Instead, send money to a trusted person with a bank card nearby, or use cash back at stores once you have your card.
Live map: find Chime-friendly ATMs near you
Use the map to spot nearby ATMs, then confirm they’re in-network (Allpoint or MoneyPass) and check any on-screen fee notice before you confirm a withdrawal.
How to get cash from Chime (all options)
- Use your Chime Visa Debit Card at ATMs (fastest)
Withdraw directly from your Chime Spending Account at any ATM that accepts Visa.- For fee-free withdrawals, stick to Allpoint or MoneyPass ATMs shown in the Chime app.
- For other ATMs, watch the on-screen surcharge notice before accepting.
- Flow: insert card → enter PIN → choose Checking → select amount → confirm fee (if any) → withdraw.
- Get cash back at stores
Many grocery, drug, and big-box stores let you request cash back when you pay with your Chime debit card.- Select Debit at the terminal and choose a cash-back amount (limits vary by store).
- This often avoids ATM surcharges, but some merchants may charge a small fee.
- Transfer to another bank, then use that bank’s ATM
If you also have a traditional bank account:- In the Chime app, move money to your linked external bank.
- Once the transfer settles, use your other bank’s debit card at its in-network ATMs for fee-free cash.
- Send money to a trusted friend or family member
If you’re stuck without your card:- Send funds to someone you trust (via Chime, Venmo, Cash App, Zelle®, etc.).
- They can withdraw with their own debit card and give you the cash.
Chime ATM networks & where you can withdraw
Chime partners with large surcharge-free ATM networks so you can grab cash without paying extra — as long as you choose the right machine.
| Location type | Network | Fee? | What to look for |
|---|---|---|---|
| Allpoint ATMs | Allpoint® Network | Typically $0 for Chime cardholders | Allpoint logo on the ATM; confirm in Chime app map. |
| MoneyPass ATMs | MoneyPass® Network | Typically $0 for Chime cardholders | MoneyPass logo; often inside credit unions or regional banks. |
| Other Visa ATMs | Independent / bank ATMs | Likely surcharge + possible Chime out-of-network fee | Visa / Plus logo only; always check fee disclosure before accepting. |
| Retail checkout | Merchant cash-back | Usually $0–low, set by store | Ask cashier or watch for “Cash Back?” on the card terminal. |
How to find a Chime ATM near you (step-by-step)
- Use the Chime app ATM finder
Open the Chime app → tap Move Money or the ATM icon → use the map to find fee-free Allpoint / MoneyPass locations nearby. - Search “Allpoint ATM near me” or “MoneyPass ATM near me”
In Google Maps or Apple Maps, search for either network name plus “ATM.” Filter by distance, hours, and accessibility. - Check ATMs inside big retailers
Many Allpoint/MoneyPass ATMs are located inside:- Drugstores (CVS, Walgreens, Rite Aid – depending on region)
- Grocery stores and discount retailers
- Some gas stations and convenience stores
- Confirm on-screen fees before you accept
Every ATM must show you the surcharge it will charge. If you don’t like it, hit Cancel and try another machine or use cash back instead.
Fees, limits & timing with Chime ATM withdrawals
ATM fees: With Chime, fees depend on which ATM you choose:
- In-network (Allpoint / MoneyPass): Typically no surcharge from the ATM operator and no extra fee from Chime.
- Out-of-network ATMs: The ATM owner can charge its own surcharge, and Chime may charge an out-of-network fee. Always read the on-screen disclosure.
- Cash-back at stores: Usually free, but some merchants add a small cash-back fee at checkout.
Withdrawal limits: Chime has daily and per-transaction limits for ATM withdrawals and cash-back. Your exact limits can depend on your account status and history — you’ll see current limits inside the Chime app or account agreement.
Transfer timing: If you move money from Chime to another bank to use that bank’s ATM, expect:
• Standard transfers: Usually 1–3 business days.
• Instant options: May be available for a small fee, depending on the destination and method.
Safety tips when getting cash from Chime
- Use indoor or well-lit ATMs — bank branches, supermarkets, and malls are usually safer than standalone machines.
- Cover the keypad when entering your PIN and check for loose card readers or odd attachments.
- Enable alerts in the Chime app so you get instant notifications for ATM withdrawals and purchases.
- Lock your card in the app if it’s lost, stolen, or you see suspicious activity.
Step-by-step: withdraw cash with a Chime debit card
- Open the Chime app and find a nearby fee-free ATM (Allpoint or MoneyPass).
- Insert your Chime Visa Debit Card into the ATM.
- Enter your PIN and choose Checking as the account type.
- Enter the amount you want to withdraw and review any fee prompt.
- If the fee is $0 (or acceptable), confirm the transaction.
- Take your cash, card, and receipt, then verify the transaction in your Chime activity feed.
Troubleshooting common Chime ATM issues
- Card declined or error message? Double-check your balance in the app, confirm you’re within your daily limit, and try another in-network ATM.
- ATM says “card not supported”: That machine may not support your network — switch to a clearly labeled Allpoint or MoneyPass ATM.
- Cash not dispensed but balance shows a debit: Save the receipt and contact both the ATM operator (number on the machine/receipt) and Chime support; many transactions auto-reverse if the ATM error is detected.
- No card and need cash now? Your only options are usually sending money to someone you trust or waiting until you have access to your card again; Chime doesn’t currently support true QR/one-time-code cardless ATM withdrawals.
Related guides
- Visa ATM Near Me
- Fee-Free ATMs: How to Find Surcharge-Free Cash
- Contactless & Cardless ATMs Near Me
- Cash App ATM Near Me
- Venmo ATM Near Me
Note: ATM networks, fees, and limits can change. Always confirm your latest Chime card terms and ATM details inside the app or on Chime’s official help pages before withdrawing.