Chime makes banking simple, especially for those who prefer mobile-first tools and low fees. But if you need to take out cash, it’s important to understand how much you can withdraw each day. This 2025 guide covers the Chime ATM withdrawal limits, including per-transaction caps, daily limits, and ways to access more cash if needed.
What Is the Chime ATM Withdrawal Limit in 2025?
As of 2025, the standard ATM withdrawal limit with Chime is $500 per day. This daily cap includes all ATM withdrawals, no matter how many transactions you make. So whether you withdraw $100 five times or $500 once, you’ve reached your daily limit.
Chime uses these limits to protect your account and prevent fraudulent activity.
Additional Chime Withdrawal Limits
Chime sets other important withdrawal and spending caps in addition to the ATM limit.
Over-the-Counter Withdrawals
You can withdraw up to $500 per day at participating banks or credit unions that accept Visa debit card transactions.
Cash Back at Point of Sale
You can request up to $100 cash back per day when making debit card purchases at stores like Walmart or CVS.
Debit Card Purchases
You can spend up to $2,500 per day with your Chime Visa® Debit Card for point-of-sale or online transactions.
How to Check Your Chime Withdrawal Limits
You can confirm your current limits using the Chime app or online dashboard.
- Open the Chime app, tap your account, and go to Card Settings or Spending Limits
- Log in at chime.com and check your account dashboard
- Contact Chime support through the app if needed
Can You Increase Your Chime ATM Withdrawal Limit?
Chime does not currently allow users to increase their ATM withdrawal limit. The $500 cap is fixed across all accounts. If you need more cash, use alternative methods like over-the-counter withdrawals or cashback at checkout.
Ways to Access More Cash with Chime
If you need more than $500 in a day, combine multiple withdrawal methods to increase access.
Over-the-Counter Withdrawals
Withdraw up to $500 at a bank or credit union that processes Visa debit card transactions.
Cash Back
Use your debit card at checkout to get up to $100 cash back from participating retailers.
Use Your Debit Card Instead
When possible, pay with your card to avoid needing physical cash.
Send Money Digitally
Use the Chime app to transfer funds or send money to friends, family, or other accounts.
Why Does Chime Set Withdrawal Limits?
Withdrawal limits are in place to protect your money and support responsible banking. These limits help prevent fraud, reduce risk in case of lost or stolen cards, and encourage users to manage cash carefully.
Frequently Asked Questions
What is the daily ATM withdrawal limit for Chime?
$500 per day, across all ATM transactions.
Is the limit the same at all ATMs?
Yes, the daily limit is set by Chime regardless of which ATM network you use.
Can I withdraw more than $500 per day?
Not from an ATM, but you can combine ATM withdrawals, over-the-counter transactions, and cashback to access more.
Are there ATM fees?
Chime offers access to over 60,000 fee-free ATMs. Out-of-network withdrawals may include fees from third-party providers.
Can I raise my withdrawal limit?
No. Chime doesn’t currently allow withdrawal limit increases.
Related Pages
- How to Withdraw More Than Your ATM Daily Limit
- Can You Withdraw $50 from an ATM?
- Navy Federal ATM Withdrawal Limit
- Finding an ATM Near Me With Cash
Final Thoughts
Chime offers a simple and secure way to manage your money, but it’s important to know your withdrawal limits so you’re not caught off guard. Use all available options—including over-the-counter withdrawals, debit purchases, and digital payments—to access your money when you need it most.