What Are Chime ATM Fees and How Do They Work

Chime ATM fees can be a mystery to many, but understanding how they work can save you money in the long run. Chime offers fee-free access to over 38,000 MoneyPass ATMs across the US.

If you need to use an out-of-network ATM, be prepared for a fee of $2.50 per transaction, plus any additional fees charged by the ATM operator. This fee is charged by Chime, not the ATM operator.

Using an out-of-network ATM is not the only situation where you'll encounter a fee. Chime also charges a fee of $2.50 per transaction for international ATM withdrawals.

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Chime often partners with large ATM networks like Allpoint or MoneyPass, giving you access to thousands of ATMs across the U.S. for free.

Some ATM providers may charge you for withdrawing funds or checking your balance, so it's essential to understand their fees before using their ATMs.

Individual ATMs may set their own limits that are lower than Chime's, forcing you to make separate withdrawals to get the amount you need.

You might be able to check your balance for free, but be aware that some ATMs may still charge a fee for withdrawing cash.

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Chime's ATM network is quite impressive, offering over 60,000 fee-free ATMs through its partnership with MoneyPass and VisaPlus Alliance. This means you can withdraw cash without worrying about extra fees.

Chime's large ATM customer-centric system is designed to make your life easier, with no in-network ATM fees to pay. This is a big advantage over other banks that charge you for using their ATMs.

To find a Chime ATM near you, simply use the ATM and Cash Back Finder on Chime's website or mobile app. The most recent version of the app has an ATM Map located on the bottom right corner of the screen.

The ATM Map will show you ATMs near your current location, including major merchants that offer cash back, such as Target, Walmart, CVS, and more. This feature is super convenient and helps you save time and money.

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Withdrawals can be a bit tricky with Chime. There is no limit to how many withdrawals you can make a day using your Chime Bank Visa debit card. However, there is a limit on the amount of money you can withdraw each day, which varies depending on the method of withdrawal.

For example, you can withdraw up to $500 per day at an ATM or over-the-counter. On the other hand, there is no daily limit for card purchases that require a signature and PIN, but the amount is capped at $2,500 per day.

If you're planning to withdraw cash from an ATM, be aware that many ATMs may set their own limits, which could be lower than Chime's. You might need to make separate withdrawals to get the amount you need.

Here's a breakdown of Chime's daily withdrawal limits:

Chime also charges a fee of $2.50 per transaction for out-of-network ATM withdrawals, in addition to any fees set by the ATM operator.

Chime offers a checking and savings account with some unique features, but it's essential to know about their ATM fees before opening an account. Chime's ATM fees are $2.50 per transaction.

You can avoid these fees by choosing a bank with no ATM fees, like Ally, which refunds up to $10 in fees per month. Another option is to choose a bank that refunds ATM fees, such as Axos Bank, which offers unlimited refunds depending on your account type.

Here's a list of some banks that don't charge ATM fees or refund them:

A checking account is a fundamental part of any bank account, and Chime offers a checking account option with no fees.

You can easily add funds to your Chime checking account via direct deposit, mobile check deposit, or electronic transfer from other financial institutions.

Chime's checking account allows you to withdraw more money at once, reducing the need to visit ATMs frequently and pay multiple fees.

However, keep in mind that there may be fees associated with using non-network ATMs, and Chime will reimburse you for these fees in some cases.

To avoid ATM fees altogether, consider choosing a bank with no ATM fees or one that refunds ATM fees.

Here are some key features of Chime's checking account:

Remember to always check your account balance to avoid non-sufficient funds (NSF) fees and overdraft protection.

Regional banks can be a great option for those looking to avoid high ATM fees. They tend to charge lower ATM fees than national banks.

One notable example is Golden 1 Credit Union, which charges only $2 for out-of-network ATM transactions. Some regional banks, like VyStar Credit Union, even offer free out-of-network ATM transactions.

If you're looking for a regional bank with low ATM fees, consider Associated Bank, which charges $3.50 for out-of-network transactions. Comerica is another option, with a fee of $2.50.

Here's a list of some regional banks with their out-of-network ATM fees:

Keep in mind that not all regional banks refund fees charged by ATM providers.

Online banks are a great option for those looking to minimize ATM fees. Many online banks don't charge you for out-of-network ATM usage.

Some online banks, like Affinity Plus Federal Credit Union, Alliant Credit Union, and Ally, won't charge you any out-of-network ATM fees at all. Others, like Axos Bank, offer refunds for fees charged by other banks or providers, depending on your account type.

Here are some online banks that offer ATM fee refunds or don't charge them at all:

To avoid Chime ATM fees, consider choosing a bank with no ATM fees or one that refunds ATM fees. Not all banks charge out-of-network ATM fees, and online financial institutions are more likely to have no ATM fees.

If you do end up getting charged a fee, you can try contacting Chime customer service first to resolve the issue. If that doesn't work, you can file an official complaint against Chime or consider alternative legal options like small claims court or binding arbitration.

If you're having trouble finding fee-free ATMs, you can use cash-back retailers to withdraw cash for free, or consider getting an over-the-counter withdrawal, which allows for up to $500 per day but comes with a smaller fee than using an out-of-network ATM.

Avoiding Bank Fees is a great way to save money and reduce stress. Online banks are often a good option as they tend to have lenient ATM fees.

Many online banks don't charge out-of-network ATM fees at all. For example, Affinity Plus Federal Credit Union, Ally, and Capital One don't charge any out-of-network ATM fees. Some online banks even refund fees charged by out-of-network ATM providers. Alliant Credit Union, for instance, refunds up to $20 per month in out-of-network fees.

If you do need to use an out-of-network ATM, try to withdraw more money at once to minimize the number of fees you'll pay. However, be aware of your account balance to avoid NSF fees. It's also a good idea to choose a bank that refunds ATM fees or has easily accessible ATMs.

Here's a quick rundown of some online banks' ATM fee policies:

Keep in mind that some banks may have different policies for different account types. Always check your account agreement or contact your bank's customer service to confirm their ATM fee policies.

If you're charged an incorrect fee, don't worry, there are steps you can take to resolve the issue. First, contact Chime customer service to see if they can resolve the issue for you.

If that doesn't work, you can file an official complaint against Chime. This is a good option if you're not getting anywhere with customer service.

You have two legal alternatives if you're still not getting a resolution. You can sue Chime in small claims court, but be aware that there are limits to how much you can ask for in compensation.

Alternatively, you can start binding arbitration to get a resolution. This usually provides a faster resolution than small claims court.

Here are the two options in more detail: