Chime is an online bank that usually works through its website and mobile banking Chime application. Its banking services include a Chime Visa debit card, optional spending, and saving bank accounts. However, unlike a traditional bank, Chime does not have a physical store.
Access to cash needs a trip to the ATM or choosing the cashback option at the checkout aisle in grocery stores. You don’t need to worry about ATM fees because Chime Bank has a list of fee-free ATMs available. But there is also a Chime ATM limit, meaning that you can withdraw a certain amount daily through Chime ATM.
Other than keeping it simple and instantly accessible, Chime also offers excellent benefits over traditional banking services. It provides a straightforward lineup of free account options, provides automated saving tools to enhance your saving habits, and offers early receipts of direct deposit payments.
What is the Chime ATM network?
Chime prides itself on being one of the top banks with no in-network ATM fees. Chime’s network is VisaPlus and MoneyPass alliance. More than 38,000 fee-free ATMs are available with the combination of these two ATM networks. While Visa is generally more known, MoneyPass maybe something you never heard of. This ATM comprises over 1,700 organizations and 95 million cardholders using its services.
The VisaPlus is a Visa product, so the Chime VISA debit cards (authorized from VISA USA and issued by the Bancorp) are accepted at ATMs everywhere Visa Debit cards are accepted.
How to find a Chime ATM?
Like many other online banks, Chime also offers a Cashback and ATM finder online and via the Chime application on your smartphone. So when your Chime debit card is issued, familiarize yourself with the app products and online.
A chime application will find you fee-free ATMs nearby your current location.
What is the Chime ATM limit?
Chime users can withdrawal up to 500$ daily using an ATM. However, keep in mind that you will be charged a 2.50$ fee every time you withdraw money from an ATM outside the VPA and MoneyPass networks. Moreover, an out-of-network ATM may charge you an additional fee at their location.
If you wish to withdraw money another way, you can visit a bank or credit union and request cash withdrawal. You will have to give them your Chime Visa Debit Card to the teller. This withdrawal-type is known as over-the-counter withdrawal. Similar to the Chime ATM limit, you can withdraw 500$ daily with a fee charge of 2.50$.
Chime allows its users a limit of 2500$ maximum amount to be spent using a card per day. These include ATM and over-the-counter withdrawal, funds are withdrawn at POS, and purchases made.
If you are charged with a fee at an ATM at an in-network with VPA or MoneyPass, you should raise a complaint with Chime by writing to them through emailing them at firstname.lastname@example.org or Chime mobile application. If they charged you by mistake, your money would be refunded to your account within a few days.