Find ATMs in your network.

You can find nearby Chime ATM locations by opening the Chime mobile app and using the ATM Finder. Chime has 50,000+ fee-free ATMs¹ in the US, plus a wide network of cash-back retailers for even more easy ways to withdraw your money.

Chime has a large network of fee-free ATMs¹ for Chime members. Get fee-free transactions at any MoneyPass ATM in a 7-Eleven location and at any Allpoint or Visa Plus Alliance ATM. To find a fee-free ATM near you, download the Chime mobile app and use the ATM Finder.

With Chime, you can get cash at more than 50,000 fee-free ATMs¹ – more than the top 3 national banks combined^ – including ATMs at popular retail stores like Walgreens^®, CVS^®, 7-Eleven^®, Circle K, and Target.

Get fee-free transactions at any MoneyPass ATM in a 7-Eleven location and at any Allpoint or Visa Plus Alliance ATM. Otherwise, out-of-network ATM withdrawal fees may apply.

Chime has tens of thousands of fee-free ATMs¹ across the country. Just open your Chime mobile app and select the ATM Map in the right corner of your app home screen to find a fee-free ATM near you.

With Chime’s fee-free¹ ATM network, you can make fee-free cash withdrawals at any MoneyPass ATM in a 7-Eleven^® location and any Allpoint or Visa Plus Alliance ATM.

Chime doesn’t charge ATM fees at any of our 50,000+ in-network ATMs.¹ If you withdraw cash from an out-of-network ATM, you’ll pay a $2.50 Cash Withdrawal fee, plus any fees the out-of-network ATM provider charges.

With your Chime Debit Card, you can withdraw cash at many fee-free¹ ATM locations across the country. You can also get cash-back at participating retailers like Walmart and Dollar General. Use the ATM Finder in your Chime mobile app to find ATMs and cash-back near you. Your Chime card works at out-of-network ATMs, but fees will apply.

You can also withdraw cash at a traditional bank or credit union by presenting your debit card to the teller. This is called an Over The Counter Withdrawal, and there’s a $2.50 fee every time you withdraw cash this way.

You can withdraw money from your Chime account at an ATM. Chime’s ATM Network features more than 50,000 fee-free¹ ATMs, including MoneyPass ATMs at 7-Eleven^® and any Allpoint or Visa Plus Alliance ATM. You can use out-of-network ATMs if you can’t find any in-network ATMs near you, but it costs $2.50 for each transaction, plus any additional fees from the out-of-network ATM provider.

You can withdraw up to $515 a day from your Chime account using an ATM. This $515 and any fees you incur from out-of-network withdrawals count toward the $2,500 daily limit on the Chime card.

You can withdraw cash at an ATM using Chime SpotMe for up to $200.² The amount you can overdraft when making a withdrawal varies depending on your personal SpotMe eligibility and limits.

If you are eligible for SpotMe through Chime, you can overdraft your Chime card at an ATM for up to $200.² Eligibility requirements and limits apply.

You can use your Chime Credit Builder secured credit card to make cash withdrawals at an ATM. Using a credit card like Credit Builder for an ATM cash withdrawal is called a “cash advance.”

Typical credit cards will charge you interest and fees for a cash advance. But Credit Builder isn’t like most credit cards. As long as you get your cash advance at one of Chime’s 50,000+ in-network ATMs, we won’t charge you any interest or fees.¹

Unfortunately, you cannot make a Chime ATM deposit. If you have cash on hand that you want to deposit in your Chime account, just find the nearest Walgreens^® for a fee-free deposit.⁵ There are more than 8,000 locations nationwide – and you can find them all using the ATM Finder in your Chime mobile app.

If you can’t find a nearby Walgreens^®, you can deposit cash into your Chime account at more than 75,000 retail locations nationwide, including Walmart, CVS, and Family Dollar. Fees may apply.

You can add money to your Chime Checking Account by making a fee-free cash deposit⁵ at any Walgreens location nationwide. And it’s not just Walgreens – for a fee, you can deposit cash into your Chime account at more than 75,000 retailers across the country.

You can also fund your Chime card with direct deposit, mobile check deposit,⁹ instant transfers,¹⁰ and bank transfers, all in the mobile app.

If you make a cash deposit at a retailer (it’s fee-free at Walgreens⁴), the money will be available on your Chime Debit Card within 2 hours. This timeframe is faster than bank transfers, which can take 3 to 5 business days.

ATMs typically charge a fee to withdraw or deposit money. However, most banks and credit unions offer a network of fee-free ATMs. Chime, for example, has more than 50,000 fee-free ATMs,¹ which you can find in the Chime mobile app. Check with your bank or credit union to see which ATMs are in your network; this information might be on your debit or ATM card, on the website, or in an ATM finder tool in your mobile app.

ATM stands for automated teller machine since the computerized machines perform some of the same functions as bank tellers.

An ATM is a specialized machine that allows you to perform basic banking functions, like depositing a check or withdrawing cash, without visiting the branch of your financial institution. In addition to withdrawing cash and depositing a check, you can use an ATM to check your account balances and complete more complex transactions. For features beyond cash withdrawal or account balance checks, you often need to verify that you are an account holder with the financial institution or network that owns the ATM.

The easiest way to find a no-fee ATM near you is to check the website or mobile app of the bank or financial institution to which you belong. Most financial institutions will have a map or list or ATMs that you can search by inputting a ZIP code or sharing your location. You can also check the website of a no-fee ATM network like MoneyPass for a nearby ATM if your card is in their network.

Some ATMs allow cash deposits, and others don’t. Check with your financial institution to see if cash deposits are allowed at ATMs, and, if so, what ATMs near you have this feature. Also, check to see if your account or card type has cash deposit limits or fees associated with depositing cash at an ATM. Some accounts or card types do not have the functionality to allow ATM cash deposits but offer other methods to deposit cash into your account.

Most ATMs do not accept coins. ATMs typically accept paper cash and checks. Call your bank or financial institution to ask about your options for depositing coins.

All financial institutions have their own policies for how long it takes cash and check deposits at ATMs to become available to use. If you make a cash deposit at an in-network ATM, funds are often available right away. Funds from checks can often be available by the next business day or earlier. However, you may experience a delay in funds availability if you deposit a large check, have a new account, deposit a check at an ATM outside of your network, or deposit a check that your financial institution determines may not be collectible.

Most ATMs allow you to access your account and withdraw your cash for a fee. Your specific financial institution likely offers a network of fee-free ATMs where you can make cash withdrawals without a fee; some might even offer ATM fee reimbursement when you withdraw cash at an out-of-network ATM.

All financial institutions, accounts, and individual ATMs have their own cash withdrawal limits. These limits can vary from a few hundred dollars to several thousand dollars. Check with your financial institution and ask about the ATM withdrawal limits for your account. To ensure this limit is accurate, visit an in-network ATM.

According to a recent Bankrate survey, the average ATM fee for out-of-network customers is $3.14.¹¹ Being an out-of-network customer means using an ATM that is not affiliated with your bank or credit union. You can typically avoid ATM fees by withdrawing cash from ATMs in your network. Chime, for example, offers more fee-free ATMs¹ in its network than the top 3 national banks combined.^

You can usually withdraw cash from any ATM, even if it’s not in your network. However, you will likely incur a fee from the ATM or your own financial institution for using an out-of-network ATM. Find a financial institution offering an extensive network of ATMs and ATM fee reimbursements each month. While you can withdraw cash at almost any ATM, you can typically only deposit money in your account using an in-network ATM.

How much you can withdraw from an ATM depends on limits set by your own bank or credit union. Typically, ATM withdrawals are capped somewhere between $300 and $1,000 per day.

Most banks and credit unions offer networks of fee-free ATMs, meaning you won’t have to pay a fee for your transactions. However, if you do your banking at an out-of-network ATM, there may be fees assessed by your own financial institution and one by the ATM operator. Most major banks, including Bank of America, Capital One, Chase, Citibank, HSBC Bank, Key Bank, PNC Bank, and Wells Fargo, charge such fees.¹² You can avoid ATM fees by finding a financial institution with a large network of ATMs and/or monthly ATM fee reimbursements.

When you withdraw money from an ATM, you might owe up to two fees. If the ATM is within your bank’s network, you shouldn’t pay a fee for withdrawing money. However, if the ATM is out of your bank’s network, your bank may charge you a small fee, and the ATM operator may also charge you a fee.