Chime, the popular fintech company, enforces specific limits on ATM withdrawals and cash deposits. Understanding these restrictions is essential for users who rely on Chime for daily banking. This guide breaks down the current limits, explains how they work, and details ways to bypass them when necessary.
ATM Withdrawal Limits Explained
Chime’s daily ATM withdrawal limit is generally $515. However, some users report higher limits—up to $3,030—potentially based on account history. These limits are not fixed and can change over time.
To check your current withdrawal limit:
- Open the Chime app.
- Tap the gear icon to access Settings.
- Select “View Limits.”
Alternatively, contact Chime customer service at 844-244-6363.
Cash Deposit Options
Chime does not allow cash deposits directly through its ATMs. Instead, users must deposit cash at over 75,000 retail locations via third-party services like Green Dot. Common partners include:
- Dollar General
- Walgreens
- CVS
- Rite Aid
- Circle K
- Walmart
- 7-Eleven
- Kwik Trip
- Family Dollar
- Speedway
- Pilot Flying J
- Holiday Stationstores
These retailers load funds into your Chime Spending Account.
Bypassing Withdrawal Limits: Options for Larger Amounts
If you need more than $515 per day, two options exist:
- Over-the-Counter Withdrawal: Visit a bank or credit union with your Chime debit or secured credit card. Chime limits daily spending to $2,500 on debit and $1,015 for cash advances on credit. A $2.50 transaction fee applies for over-the-counter withdrawals, whereas in-network ATMs are free.
- ACH Transfer: Transfer funds from another account via Automated Clearing House (ACH). Chime places no deposit limits on ACH transfers, making this the preferred method for large deposits.
Fees and Penalties
Chime charges a $2.50 fee for out-of-network ATM transactions. Additional fees may apply from the ATM provider itself. Exceeding withdrawal limits does not incur fees; transactions are simply declined.
Chime’s withdrawal limits and deposit options are designed to balance accessibility with financial security, but users should be aware of the restrictions and alternatives.
The flexibility of ACH transfers and the option of bank withdrawals provide workarounds for those needing larger transactions, while retail cash deposits remain the primary solution for physical currency.
