Chime® is a financial technology company, not a bank. Banking services, credit, and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

Fee-free Chime ATM Locations

Find ATMs in your network.

  • 50,000+ fee-free ATMs1 – more than the top 3 national banks combined^
  • Find a convenient ATM near you with the Chime app
  • Get fee-free overdraft up to $2002 on cash withdrawals with SpotMe®

More fee-free ATMs than the top 3 national banks combined.^

With access to 50,000+ fee-free ATMs1 at stores like Walgreens®, 7-Eleven®, CVS Pharmacy®, and Circle K, we’re making it more convenient to get cash on the go.

50,000+ fee-free ATMs1 nationwide.

Access your money when you need it with fee-free ATMs1 at stores like Walgreens®, 7-Eleven®, Target®, Circle K, and CVS Pharmacy®.

find a Chime atm near me to get cash at Target, Walgreens, CVS, Circle K, 711 and Walgreens

Your cash, your way.

Use your debit card to take out cash from your Checking Account. When you need it, there is fee-free overdraft up to $2002 at ATMs. You can also use your Chime Credit Builder Secured Visa® Credit Card to get cash: we won’t charge you interest.3

Your money is secure.

Your cash is FDIC-insured through our partner banks, The Bancorp Bank, N.A. and Stride Bank, N.A., Members FDIC.4 Transaction alerts, custom card security features, and 24/7 customer support help you track every dollar.

Make fee-free cash deposits5 at Walgreens®.

Deposit cash conveniently at over 8,500 Walgreens locations – that’s more walk-in locations than you’d have using any bank in the US.

chime atm map - atm locator in the Chime app
Use SpotMe at atms with your Chime debit card
get transaction alerts within the Chime appchime visa debit card
find a fee free Chime atm near me - get directions

In-network
ATM near me.

Bank online through Chime for cash withdrawals at fee-free ATMs1 using your debit card. Just launch the ATM Finder in your Chime app to find ATMs near you. You can also find more fee-free cash-back locations like Walmart, Dollar General, Target, and other retailers.

Bank online through Chime for cash withdrawals at fee-free ATMs1 using your debit card. Just launch the ATM Finder in your Chime app to find ATMs near you. You can also find more fee-free cash-back locations like Walmart, Dollar General, Target, and other retailers.

Fee-free ATM locations.

Chime
Chase6
Bank of America7
Wells Fargo8
Fee-Free ATMs
50,000+
16,000+
≈16,000
≈12,000
Fee-Free ATMs
Chime
50,000+
Chase6
16,000+
Bank of America7
≈16,000
Wells Fargo8
≈12,000

How to use Chime ATMs.

*Retailers other than Walgreens may charge their own fees.

Chime ATM resources.

how to avoid atm fees

How to find an ATM near me for Chime

Find out how
deposit cash into your Chime Checking Account at Walgreens

Deposit cash into your Chime account

Learn more

FAQs

How do I find a Chime ATM near me?

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.

What is Chime’s ATM Network?

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.

How many ATMs accept the Chime debit card?

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.

Where can I find a fee-free ATM for Chime?

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.

What ATM is fee-free for Chime?

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.

How much are Chime ATM fees?

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.

Where can I withdraw money from my Chime card?

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.

Can I withdraw money from Chime at a bank ATM?

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.

What’s the Chime ATM withdrawal limit?

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.

Can I use Chime SpotMe at an ATM?

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.

Can I overdraft my Chime card at an ATM?

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.

Can I use my Chime Credit Builder card at an ATM?

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

What ATM can I deposit cash for Chime?

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 8,500 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.

Where can I go to add money to my Chime card?

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.

How long does a cash deposit take for Chime?

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.

Where can I use an ATM without a fee?

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.

What does ATM stand for?

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

What is an ATM and how does it work?

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.

How can I find a no-fee ATM near me?

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.

Can I deposit cash at an ATM?

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.

Can I deposit coins at an ATM?

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.

How quickly will my ATM deposit be available?

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.

Can I withdraw cash from any ATM?

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.

How much money can you take out of an 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.

What’s the average ATM fee?

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.^

Do ATMs work with all banks?

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.

What is the withdrawal limit from an 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.

Which banks charge ATM fees?

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.

What ATM fees are charged for withdrawing money?

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.

Chime® is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card and the Chime Credit Builder Visa® Credit Card are issued by The Bancorp Bank, N.A. or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit and credit cards are accepted. Please see the back of your Card for its issuing bank.

While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.

By clicking on some of the links above, you will leave the Chime website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Chime. We recommend you review the privacy statements of those third party websites, as Chime is not responsible for those third parties' privacy or security practices.

Opinions, advice, services, or other information or content expressed or contributed here by customers, users, or others, are those of the respective author(s) or contributor(s) and do not necessarily state or reflect those of The Bancorp Bank, N.A. and Stride Bank, N.A. (“Banks”). Banks are not responsible for the accuracy of any content provided by author(s) or contributor(s).

Third-party trademarks referenced for informational purposes only; no endorsements implied.

^ Bank ranking and number of ATMs according to U.S. News & World Report® 2023.

1 Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

2 SpotMe® for Credit Builder is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, “SpotMe”). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month.

Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined limit of up to $200 or more based on member’s Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won't cover non card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe Terms and Conditions.

3 Out of network ATM withdrawal and OTC advance fees may apply. View the Bancorp agreement or Stride agreement for details; see back of card for issuer.

4 Deposits in Chime accounts are FDIC insured through The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC.

5 Once the retailer accepts your cash, the funds will be transferred to your selected Chime Account. Barcode and debit card cash deposits land in the Checking Account. Credit Builder card cash deposits first go through your Card Account and then land in your Secured Account. Cash deposit fees may apply if using a retailer other than Walgreens and Duane Reade.

6 Data pulled from Chase ATMs as of November 22, 2022: https://www.chase.com/digital/atms

7 Data pulled from Bank of America Company Overview as of November 22, 2022: https://newsroom.bankofamerica.com/companyoverview

8 Data pulled from Wells Fargo ATM Banking as of November 22, 2022: https://www.wellsfargo.com/atm/

9 Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member's direct deposit enrollment status.

10 There may be times when instant transfers may be delayed due to network timing or other factors beyond our control.

11 Data pulled from Bankrate: Checking Account Survey as of November 22, 2022: https://www.bankrate.com/banking/checking/checking-account-survey/

12 Data pulled from Bankrate: Bank ATM Fees as of November 22, 2022: https://www.gobankingrates.com/banking/banks/atm-fees-list/

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