Quick answer: Chime members can use more than 50,000 fee-free ATMs through the Allpoint, MoneyPass, and Visa Plus Alliance networks. Out-of-network ATM withdrawals cost $2.50 plus any separate ATM operator surcharge. The easiest way to avoid fees is to use the Chime app to locate an in-network ATM near you.
Chime does not operate its own ATM network. Instead, Chime partners with large surcharge-free ATM networks that include ATMs inside Walgreens, CVS, Target, 7-Eleven, and many retail stores across the United States.
Can You Use Chime at Any ATM?
Yes. The Chime Visa Debit Card works at most ATMs that accept Visa debit cards, but fees depend on whether the ATM is inside Chime’s fee-free network.
The best option is using an in-network ATM through Allpoint, MoneyPass, or Visa Plus Alliance to avoid Chime’s out-of-network ATM fee.
| ATM Type | Chime Fee | ATM Operator Fee | Best For |
|---|---|---|---|
| In-network ATM | $0 | $0 at participating locations | Fee-free withdrawals |
| Out-of-network ATM | $2.50 | May apply | Backup cash access |
| Retail ATM | Depends on network | May apply | Convenience access |
| International ATM | $2.50 | May apply | Travel withdrawals |
Chime currently advertises access to more than 50,000 fee-free ATMs through its partner ATM networks.
Best ATMs for Chime Withdrawals
The best ATMs for Chime users are in-network Allpoint, MoneyPass, and Visa Plus Alliance ATMs because they avoid Chime’s $2.50 out-of-network fee and help reduce extra ATM surcharges.
- Walgreens
- CVS
- Target
- 7-Eleven
- Circle K
- Many grocery stores and pharmacies
- Participating bank and credit union ATMs
Learn more in Allpoint vs MoneyPass, surcharge-free ATM guide, and lowest ATM fees.
How to Find a Chime ATM Near You
The easiest way to find a nearby Chime-compatible ATM is through the Chime mobile app. The app can show nearby in-network ATMs based on your location.
- Open the Chime app.
- Use the ATM finder or map feature.
- Search for Allpoint, MoneyPass, or Visa Plus Alliance ATMs.
- Look for fee-free locations near retail stores and pharmacies.
- Confirm fees on the ATM screen before withdrawing.
Map not loading? Open Chime-compatible ATM map in Google Maps.
Chime ATM Withdrawal Limits
Chime applies ATM withdrawal limits for fraud prevention and account security.
| Limit Type | Chime Limit |
|---|---|
| ATM withdrawal limit | $515 per day |
| Cash back limit | Varies by retailer |
| Over-the-counter withdrawal | Up to $515 per day |
Some ATM owners may also impose their own lower machine limits. Learn more in ATM withdrawal limits explained and temporary ATM withdrawal limit increases.
Chime ATM Fees
Chime does not charge a withdrawal fee at in-network ATMs. However, out-of-network ATM withdrawals cost $2.50, and the ATM owner may charge an additional surcharge fee.
- In-network ATM: $0 Chime fee
- Out-of-network ATM: $2.50 Chime fee
- ATM operator surcharge: May apply
- International ATM withdrawal: $2.50 Chime fee plus possible operator charges
Learn more in ATM fees explained, CVS ATM fees, and Walgreens ATM fees.
Can You Deposit Cash Into Chime at an ATM?
Most ATMs do not support Chime cash deposits directly. Instead, Chime cash deposits are commonly completed through participating retail stores such as Walgreens.
Retail cash deposit partners may include:
- Walgreens
- CVS
- Dollar General
- Family Dollar
- Walmart
- 7-Eleven
Retail cash deposit fees and limits may vary by location.
Related guides: ATM cash deposit limits and how to avoid ATM deposit holds.
Can You Get Cash Back With Chime?
Yes. Many retailers allow cash back purchases using the Chime Visa Debit Card. Cash back can help avoid ATM fees and may provide easier access to cash than standalone ATMs.
- Walmart
- Target
- Kroger
- CVS
- Walgreens
- Dollar General
- Many grocery stores and pharmacies
Cash back transactions usually do not count against ATM withdrawal limits.
See Walmart ATM and cash access guide and free ATM access options.
Common Chime ATM Problems
| Problem | Possible Fix |
|---|---|
| ATM declined transaction | Check your balance, card status, and daily limit. |
| ATM charged extra fee | Use an in-network ATM next time and confirm fees before accepting. |
| ATM says cannot process transaction | Try another ATM or check the Chime app for account issues. |
| ATM kept your card | Contact the ATM owner and Chime support immediately. |
| ATM charged but no cash came out | Save your receipt and contact Chime support. |
Related troubleshooting guides:
- ATM Declined Card
- Why ATM Says Cannot Process Transaction
- ATM Charged But No Cash Dispensed
- ATM Ate My Card
Are Chime ATM Withdrawals Safe?
Chime ATM withdrawals are generally safe when you use trusted ATMs and follow normal ATM safety practices.
- Use well-lit retail or bank ATMs.
- Avoid suspicious standalone ATMs.
- Cover your PIN during transactions.
- Enable Chime security alerts.
- Monitor your account after ATM withdrawals.
- Report lost or stolen cards immediately.
Learn more in ATM safety tips and how to spot ATM problems and unsafe machines.
Related ATM Guides
- Surcharge-Free ATM Near Me
- Allpoint vs MoneyPass
- ATM Withdrawal Limits Explained
- ATM Fees Explained
- Cardless ATM Near Me
- Lowest ATM Fees
How This Guide Is Maintained
This guide is reviewed and updated to reflect changes in Chime ATM networks, withdrawal limits, surcharge-free ATM access, and retail cash deposit policies. ATM availability and surcharge policies may vary by location and ATM operator. Last reviewed: May 2026.
Bottom Line
Chime users can withdraw cash at more than 50,000 fee-free ATMs through Allpoint, MoneyPass, and Visa Plus Alliance networks. The easiest way to avoid ATM fees is to use the Chime app to locate an in-network ATM before withdrawing cash.
Frequently Asked Questions
What ATMs are free for Chime?
Chime offers fee-free ATM access through Allpoint, MoneyPass, and Visa Plus Alliance ATMs. These ATMs are commonly found at Walgreens, CVS, Target, and 7-Eleven locations.
Does Chime charge ATM fees?
Chime does not charge fees at in-network ATMs. Out-of-network ATM withdrawals cost $2.50 plus any ATM operator surcharge.
What is the Chime ATM withdrawal limit?
Chime currently limits ATM withdrawals to $515 per day, though some ATM owners may impose lower limits.
Can I deposit cash into Chime at an ATM?
Most ATMs do not support Chime cash deposits. Chime cash deposits are usually completed through participating retailers such as Walgreens and Walmart.
Can I get cash back with my Chime card?
Yes. Many retailers allow cash back purchases using the Chime Visa Debit Card, which can help avoid ATM fees.
Can I use Chime internationally at ATMs?
Yes. Chime cards can work internationally at ATMs that accept Visa debit cards, though out-of-network and international ATM fees may apply.