We’ve all been there. You’re standing at an ATM, you need cash, and you get that dreaded message: “Transaction Denied.”
As a financial planner, I can tell you that few things cause more anxiety than not being able to access your own money when you need it.
So what’s the quick answer to what are Chime’s withdrawal limits? Chime allows you to withdraw $515 per day from ATMs, with no limits on the number of transactions.
This $515 limit includes any out-of-network fees and counts toward your $2,500 daily card spending limit.
Key Takeaways
- The Hard Numbers: Your daily cash withdrawal limit is typically $515 at an ATM and $500 for cash back or at a bank teller. Your daily spending limit on the debit card is $2,500.
- The Daily Reset Time: Your Chime limits reset every day at 12:00 AM, Eastern Standard Time (EST). This is a critical detail for late-night planning.
- ⚠️ Myth Busted: The Chime Credit Builder card has its own separate spending limit equal to the amount you move to its secured account. It does *not* share or combine with your regular debit card’s daily spending limit.
- You Can Increase Your Limits: By establishing a history of regular direct deposits and responsible use, you can successfully request higher limits from Chime.
For users of a leading neobank like Chime, understanding their daily Neobank withdrawal policies and spending limits is crucial. This guide provides not just the hard numbers you need to know for 2025.
We’ll cover what the limits are for ATMs, debit cards, and cash back at stores. We’ll explore why these limits exist and, most importantly, how you can get your personal limits increased.
Key Takeaways Ahead
What Are Chime’s Daily Withdrawal & Spending Limits? (The Quick Answer)
Here are the specific, Chime withdrawal limits for each type of transaction.
| Limit Type | Maximum Amount | Key Details & Nuances |
|---|---|---|
| ATM Withdrawal | $515 per day | This limit includes any fees the ATM operator charges. For example, if an ATM charges a $5 fee, you can only withdraw a maximum of $510 in cash. |
| Debit Card Spending | $2,500 per day | This is a combined limit for all point-of-sale purchases. It is separate from your cash withdrawal limit. |
| Cash Back / OTC | $500 per day | This includes getting cash back at retailers like Walmart or Walgreens, or making an “Over-the-Counter” (OTC) withdrawal by visiting a bank teller that accepts Visa. |
| Credit Builder Card | Up to $10,000 | Your spending limit is equal to the amount of money you transfer to your Credit Builder secured account. The maximum possible limit is $10,000. |
💡 Advisor Tip
Think of it like building credit. Chime’s automated systems are more likely to approve a limit increase for an account that shows a long, positive history. This isn’t usually a quick fix; it’s about demonstrating reliability over time.
Why Does Chime Have These Limits in Place?
Because Chime is a digital-first bank with no physical branches, these limits are a critical part of their digital banking security and risk management framework.
- Fraud Prevention:
If your debit card were ever compromised, daily limits cap the potential loss for both you and Chime. - Risk Management:
As a neobank that offers services with no monthly fees, Chime manages its financial risk by controlling the total daily outflow of cash from its system. - Regulatory Compliance:
These limits help Chime meet federal regulations designed to prevent money laundering and other illicit activities.
Understanding that these limits are for protection, not just restriction, is key.
How to Increase Your Chime Withdrawal & Spending Limits
Yes, you can request higher limits. While not guaranteed, following this 4-step process gives you the best chance of success.
Step 1: Set Up and Maintain Regular Direct Deposits
This is the most important factor. Setting up recurring direct deposits from an employer or benefits provider shows Chime that you are a stable and active account holder. A history of deposits over $200 per month also qualifies you for Chime’s SpotMe, further strengthening your account profile.
Step 2: Demonstrate Responsible Account History
For at least 3-6 months, use your account responsibly. This means:
- Keeping your account consistently funded.
- Avoiding overdrafts or negative balances (outside of SpotMe coverage).
- Showing regular transaction activity.
💡 Advisor Tip
Think of it like building credit. Chime’s automated systems are more likely to approve a limit increase for an account that shows a long, positive history. This isn’t usually a quick fix; it’s about demonstrating reliability over time.
Step 3: Make a Formal Request to Chime Member Services
nce you have a solid history, contact Chime support directly through the mobile banking app or by phone. Clearly and politely explain why you need a higher limit (e.g., “I am planning to book a large vacation package,” or “My regular monthly bills now exceed the daily spending limit”).
Step 4: Provide Supporting Documents If Requested
Chime may ask for documentation to support your request, such as pay stubs, bank statements, or receipts for large upcoming purchases. Be prepared to provide these promptly to complete the review process.
How to Withdraw a Large Amount of Cash From Chime
Need more than $515 in cash today? You have three primary options:
- Plan Across Two Days:
Withdraw up to $515 before midnight EST, and then withdraw more after the limit resets. - Use a Combination of Methods:
Withdraw $515 from an ATM and get up to $500 cash back from a retailer on the same day. This would allow you to access up to $1,015 in cash. - Visit a Bank Teller:
Go to a large bank like Chase or Bank of America that is part of the Visa network. You can request an Over-the-Counter withdrawal of up to $500 with your Chime debit card and a photo ID.
Frequently Asked Questions
1. What time does Chime’s daily limit reset?
Your limits reset every day at 12:00 AM, Eastern Standard Time (EST), regardless of your time zone.
2. Can I use Chime SpotMe to go over my withdrawal limit?
No. SpotMe is an overdraft feature that applies only to debit card purchases and cash-back transactions. It cannot be used to overdraft at an ATM.
3. Does my Chime Credit Builder limit affect my regular debit card limit?
No, they are completely separate. The Credit Builder card’s limit is determined by the funds in its secured account, and the Chime debit card’s limit is a fixed daily cap.
4. Where can I find a fee-free ATM for Chime?
You can find over 60,000 fee-free ATMs in the Allpoint and Visa Plus Alliance networks by using the ATM Finder in your Chime app.
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Note: The content provided in this article is for informational purposes only and should not be considered as financial or legal advice. Consult with a professional advisor or accountant for personalized guidance.
