You can withdraw from your Chime savings account at any ATM in the Allpoint or MoneyLion networks, but not at all ATMs

Chime savings accounts come with a debit card that works at ATMs, but only at machines that are part of the Allpoint or MoneyLion networks. You cannot withdraw from your Chime savings account at random ATMs — you are limited to these two networks. If you try to use an ATM outside these networks, the transaction will be declined.

The Allpoint network has over 55,000 ATMs worldwide, including machines at grocery stores, pharmacies, and convenience stores. MoneyLion has a smaller footprint but is growing. You can find participating ATMs by using the Chime mobile app, which has a built-in ATM locator tool, or by visiting the Allpoint or MoneyLion websites directly.

Withdrawals from Chime savings accounts at these ATMs are free. You will not pay a fee to Chime, and the ATM operator will not charge you either. This is one of the main reasons people use Chime — the fee-free ATM access across a large network.

Key Takeaways

  • Chime savings account withdrawals are free only at Allpoint and MoneyLion ATMs; using other ATMs will result in a decline, not a fee.
  • The Allpoint network has over 55,000 ATMs, making it the easiest way to find a machine near you.
  • Use the Chime app's ATM locator to find the nearest participating machine before you leave home.
  • If you need cash at an ATM outside these networks, you can get cash back at grocery stores and other retailers that accept Chime debit cards.

How to find an Allpoint or MoneyLion ATM near you

Open the Chime mobile app and tap the ATM locator icon (usually shown as a map or dollar sign). Enter your location or allow the app to use your current location, and it will show you all nearby Allpoint and MoneyLion ATMs with their addresses and distances. This is the fastest way to find a machine before you need cash.

If you do not have the app handy, you can visit allpointnetwork.com or moneylion.com directly and use their ATM finders. Both sites let you search by address, city, or ZIP code. You can also call Chime customer service at the number on the back of your debit card, and they can tell you the nearest ATM.

What happens if you use an ATM outside the Allpoint and MoneyLion networks

If you insert your Chime debit card into an ATM that is not part of these networks, the transaction will be declined. The machine will not charge you a fee — it will straightforward reject the card. You will not lose money, but you also will not get cash.

Some ATM operators outside these networks may charge a fee to Chime customers, but Chime's system prevents the transaction from going through in the first place. This is different from traditional banks, which often allow out-of-network ATM withdrawals but charge you a fee (usually $2 to $3) for each one.

Getting cash back at stores instead of using an ATM

If you cannot find an Allpoint or MoneyLion ATM nearby, you can get cash back when you make a purchase at a grocery store, pharmacy, or other retailer that accepts debit cards. This is free and counts as a withdrawal from your Chime savings account. straightforward tell the cashier you want cash back, swipe or insert your Chime debit card, and enter your PIN.

There is no limit to how much cash back you can get per transaction, though individual stores may have their own policies. This method is often faster than finding an ATM, especially in rural areas where Allpoint and MoneyLion machines are sparse.

Daily withdrawal limits on your Chime savings account

Chime does not publish a specific daily ATM withdrawal limit for savings accounts. However, your account may have limits based on your account history, verification status, and Chime's fraud prevention rules. If you try to withdraw more than your limit allows, the ATM will decline the transaction.

If you hit a withdrawal limit and need more cash, contact Chime customer service through the app or by calling the number on your debit card. They can tell you what your current limit is and whether it can be raised. Limits often increase after you have held the account for several months without issues.

Transferring money from savings to checking if you need more cash

If your Chime savings account has a low balance or a withdrawal limit, you can transfer money to your Chime checking account (if you have one) and then withdraw from checking instead. Transfers between your own Chime accounts are when ready and free.

Open the Chime app, go to the transfer section, select the amount you want to move from savings to checking, and confirm. The money will appear in your checking account when ready. You can then withdraw from checking at any Allpoint or MoneyLion ATM, or get cash back at a store.

Frequently Asked Questions

Can I withdraw from a Chime savings account at a bank ATM?

No, not at most bank ATMs. Bank ATMs are not part of the Allpoint or MoneyLion networks, so your Chime card will be declined. You must use an Allpoint or MoneyLion ATM, or get cash back at a store.

Will I be charged a fee if an ATM declines my Chime card?

No. When an ATM declines your card, no transaction occurs, so no fee is charged. You will not lose money, but you also will not get cash.

What if I lose my Chime debit card and need to withdraw cash?

You can still withdraw from your Chime savings account using a mobile wallet (Apple Pay, Google Pay) if you added your card before it was lost. If you did not set up a mobile wallet, contact Chime to request a replacement card or ask about other withdrawal options.

Can I withdraw from my Chime savings account online or through the app?

No. You can only withdraw cash from a savings account at an ATM or by getting cash back at a store. You cannot transfer savings to an external bank account directly through the app — you must move money to your Chime checking account first, then transfer out if needed.