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 fee-free ATMs, 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 at an ATM.

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. For Chime, members cannot deposit cash at ATMs at this time. Cash Deposits must be made at retail locations such as Walmart, CVS®, 7-Eleven®, and more. View full list of retail locations here.

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. 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 ATMs 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. 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.

Find ATMs in your network.

47K+ fee-free ATMs¹ - more than the top 3 national banks combined²
Find a convenient ATM near you with the Chime app
Get fee-free overdraft up to $200³on cash withdrawals with SpotMe^®

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Find your ATM

More fee-free ATMs than the top 3 national banks combined.²

With access to 47,000+ 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.

47K+ fee-free ATMs nationwide.

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

Get your cash, your way.

Use your Chime Visa® Debit Card to take out cash from your Checking Account. When you need it, there is fee-free overdraft up to $200³ at ATMs. You can also use your secured Chime Visa® Credit Card to get cash: we won’t charge you interest.⁴

Money in your Chime Checking Account is secure.

With Visa^® Zero Liability Policy,⁵ your Chime cards are covered if they’re lost, stolen, or fraudulently used. Transaction alerts, custom card security features, and 24/7 customer support help you track every dollar.

Make fee-free cash deposits⁶ at Walgreens^®.

Deposit cash with the cashier conveniently at over 7,900 Walgreens^® locations nationwide.

In-network ATM near me.

Bank through Chime for cash withdrawals at fee-free ATMs¹ using your card. Just launch the ATM Finder in your Chime app to find ATMs near you. You can also find more fee-free cash withdrawals locations like Walmart, Dollar General, Target^®, and other retailers.²

Get your money when you need it.

Open a Chime account for more fee-free ATMs¹ than the top 3 national banks combined.

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How to withdraw cash from in-network ATMs.

Find an ATM. Open the ATM Finder in your Chime app to locate the closest fee-free ATM¹ near you.

Use your cards to access funds. Use your card to access funds. Just insert your debit card or Chime Card at the ATM and enter your PIN to see your account.

Take out your hard-earned cash. Conveniently withdraw money and count on SpotMe to overdraw up to $200³ when you need it.

How to deposit cash at in-network ATMs.

Find the closest Walgreens^®. Chime offers fee-free deposits⁶ at any Walgreens^®. You've got 7,900+ to choose from!

Or check out other retailers. You can deposit cash at 95,000+ locations in the US. Find participating retailers in the app: tap "Deposit Cash" in the "Move Money" tab.

Work with a cashier. Retail cashiers deposit cash directly into your Chime Checking Account. Make up to three deposits totaling up to $1,000 every day – up to $10,000 every month!

get more benefits with Chime+ mobile screen

Direct deposit
and get Chime+
for free.

Unlock even more Chime benefits when you
set up a qualifying direct deposit.⁷

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Resources

See more on In The Green

Chime Guides

How to Find a Chime ATM Near Me

Chime Guides

How to Load Your Chime Card

Banking Basics

Understanding ATM Fees & How to Avoid Them

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FAQs

How do I find an in-network ATM near me?

You can find nearby fee-free ATM locations by opening the Chime mobile app and using the ATM Finder. Chime has 47,000+ fee-free ATMs¹ in the US, plus a wide network of cash-back retailers for even easier ways to withdraw your money.

What ATM network does Chime use?

We have a network of 47,000+ 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 tap on ATM map. You can also search our ATM network.

How many ATMs accept the Chime debit card?

With Chime, you can get cash at more than fee-free ATMs¹ – more than the top 3 national banks combined² – 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?

There are tens of thousands of in-network fee-free ATMs¹ across the country. Just open your Chime mobile app, tap 'Move', and select 'Find an ATM' to find a fee-free ATM near you.

How much are in-network ATM fees?

Chime doesn’t charge ATM fees at any of our 47,000+ 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 use my Chime Card to withdraw money?

Yes! You can use your Chime Card to get cash fee-free at any of our 47,000+ in-network ATMs nationwide.¹ Find in-network ATMs in stores you love like Walgreens^®, 7-Eleven^®, and more. Go into your Chime App and use the ATM Map to find one closest to you. You can also withdraw cash from any out-of-network ATM, but there’s a $2.50 fee.

What’s the in-network ATM withdrawal limit?

You can withdraw up to $515 a day from your Chime account using your debit card and up to $1,015 per day with your Chime Card at an ATM. The withdrawal amount and any fees you incur from out-of-network withdrawals count toward your daily limit on your Chime credit and debit cards. Personal limits may vary, check the Chime app for your personal limit.

Can I use Chime SpotMe at an ATM?

You can withdraw cash at an ATM using Chime SpotMe for up to $200.³ 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. Eligibility requirements and limits apply.

What ATM can I deposit cash for Chime?

Unfortunately, you cannot make an ATM deposit into Chime.

If you have cash on hand that you want to deposit in your Chime account, just go to a Walgreens^® cashier for a fee-free cash deposit.⁶ There are more than 7,900 locations nationwide – and you can find them all using the ATM Finder in your Chime mobile app. If you can’t find a Walgreens^®, you can deposit cash into your Chime account at more than 95,000 retail locations nationwide, including Walmart, CVS^®, and Family Dollar. Fees may apply.

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

You can add money to your Chime Checking Account by making a fee-free cash deposit⁶ 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 95,000 retailers across the country.

You can also fund your Chime card with direct deposit, mobile check deposit,⁸ instant transfers,⁹ 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 Walgreens^®⁶), the money will be available for your use within 24 hours, in most cases it occurs in minutes. Please see your issuing bank’s Deposit Account Agreement or Credit Card Agreement for more information on deposits and funds availability.