How to Withdraw Money from Chime Without a Card and Other Withdraw Options

A man in a suit is inserting a debit card into the ATM. He is looking at the screen, getting ready to hit buttons.

If you are a Chime user, you may be wondering what the best ways are to withdraw money from your Chime account. Methods of withdrawing from Chime include:

  1. Use your Chime Card at an ATM
  2. Make an Over-the-Counter Withdrawal by visiting any bank and handing them your card
  3. Use your Chime Card to make a purchase at a retailer and request cashback
  4. Add your Chime card to a digital wallet, like Apply Pay, and then use your wallet to make purchases and request cashback
  5. Use the Chime app to transfer money from Chime to a different bank account or person

Can You Withdraw Money from Chime Without a Card?

Chime currently does not support using ATMs without the physical card being present. The first three methods of making a Chime withdrawal require having the physical card in hand (ATM, purchase, Over-the-Counter).

If you have loaded your Chime card onto a digital wallet, like Apple Pay, then you can make a purchase from a retailer and ask for cashback.

Another option for withdrawing money from Chime is to transfer your money out of Chime and into a traditional bank account. Then you can make a withdrawal from that account.

If you are with family or friends who have a Chime card, you can send money into their Chime account and they can use any of the above methods to withdraw for you.

Does the Chime App Support Cardless ATMs?

No, Chime has not added functionality to their app to support cardless ATM withdraws.

Can You Withdraw Money from Chime at Walmart?

Yes, Walmart allows customers to make purchases with their debit cards and request cashback. The Walmart cashback limit is $100.

The option for cashback should appear on the screen of the credit card swiper. If you are using self-checkout, make sure you select a register that supports cash; many of the registers are card-only machines. You may have to wait in line for a human cashier.

Can You Withdraw Money from a Chime Credit Card?

Chime offers a secured credit card product called the Chime Credit Builder. Yes, you can use the credit card at an ATM to withdraw cash and to make purchases. So, if you forgot your Chime card at home, you can transfer money to your Credit Builder account and use that credit card.

Can You Withdraw Money from a Chime Savings Account?

No, you cannot directly access the funds in your Chime Savings Account via a card or ATM. You must first move the money out of savings and into your Spend debit card account.

Can You Withdraw Money from Chime Spot Me?

Chime Spot Me is simply a free over limit protection service that allows a customer to run their account into the negative. For instance, let’s say you have an account balance of $32 and you try to take $40 cash out of the ATM. Chime will approve the withdraw and your new balance will be -$8.

Spot Me maximums start at a $20 limit and can increase to $200 over time.

So yes, you can withdraw all of the money out of your account plus your designated Spot Me limit.

Where Can You Withdraw Money from Chime for Free?

You can withdraw cash for free at over 60,000 ATMs. You can also get cashback when you make purchases at 38,000 retailer locations. Use the ATM Finder inside the Chime App to locate free ATM and cashback locations near you.

Can You Withdraw Money from Chime at a Bank?

Yes, Chime supports Over-the-Counter (OTC) Withdrawals where you can hand your Chime card to a bank teller and they will withdraw cash for you. Chime charges a $2.50 fee for each OTC Withdraw and there is a limit of $500 per day.

Also, remember that most banks have ATMs that support cash withdraws also.

How Much Money Can You Withdraw from Chime Each Day?

The maximum money you can withdraw from an ATM or an Over-the-Counter (OTC) Withdrawal is $500 per day.

If you are trying to get cashback while making a purchase, then each retailer sets their own maximum limits, typically in the range of $40-$100 per purchase.

Finally, all of the money that flows out of your account (purchases, cash advances, ATM withdrawals, and all associated fees) must total no more than $2,500 per day.

Related: Does Chime Work with Venmo?