Can I withdraw money from chime without my card? The answer to this question seems tricky because it is the policy of every bank and online cash app to have an ATM or debit card for instance transactions and to get cash easily. As we know, an online Chime spending account offers Debit as well as VISA cards for users to withdraw money from the account. There doesn’t seem to be any other option to get access to money without cards because no matter how circumstances are, you will need a Debit card to withdraw money.
However, if you need to pull out cash instantly from your account, then these are some options you may consider but these seem tricky.
WAYS TO WITHDRAW MONEY WITHOUT DEBIT CARD
There are several options or ways you can try to withdraw money from a Chime account without a card. These options are;
- Write a Check:
If you have a bank account, then write a check to yourself for cash. If you don’t have your debit or ATM card, then show your national ID card number or Driving license number to the cashier. In this way, you will get your cash out from your account without a card. In case, if you don’t have a bank account, then all you need to do is to pay a sign-up fee for your check to get cashed.
- View My Card:
‘’View My Card’’ is an option in the online Chime app. You can withdraw money by clicking on View My Card and get your debit card number, expiration and issuance date of card and CVV. After getting this information, you can easily withdraw money from your Chime account. This app also allows additional networks like Walmart, Walgreens,7-Elevens and also at Dollar stores.
- Use Prepaid Card:
If you don’t have any bank account and you have not still planned to open a Bank account. Then all you need is a prepaid card. Use that prepaid card, which is allowed at bank ATMs. If you have your cash in a prepaid card, then just reach the ATM machine and withdraw the money. In case you got cash in a chime account, then first transfer the cash amount from chime account to prepaid card through an online cash app and then go to the ATM.
- Online Payment Apps:
There is always a Cash app in your smartphone which is linked with your Bank or Spending account. You can transfer your cash to any friends or to that person who is able to withdraw money with a debit card. Open your online payment app, add the amount you need and transfer it to your friend. Ask him to withdraw the cash and give it to you. In this way, you can fulfill your present needs.
Does Chime have a fee-free ATM network?
Yes, Chime has a large network of fee-free ATMs throughout the state of the U.S. Chime has over 38,000 fee-free ATMs nationwide which are accessed to users. It is a huge network for the ease of users. If you don’t know about any ATM near you, then go to the chime mobile app or to the site https://www.chimebank.com/atms and use the ATM finder. If you are using the latest version 3.4 or upgraded mobile app, then it will show you some major cash-back locations such as Walmart, Walgreens, 7-Eleven, CVS and several others where you can use an ATM and can get your cash out.
The ATM map of mobile apps will also show some grocery store chains like Whole Foods, Traders Joe’s and Safeway because these chains allow a fee-free ATM network for chime users.
What are the Cash withdrawal limits of Chime?
The answer to the question that can I withdraw money from chime without my card? is No, you can’t. You need card service at ATM to take cash out. So, ATM withdrawal limits are;
ATMs- You can withdraw up to $500 every day from the Chime account at any ATM which is on-network of Chime. If you go outside the MONEY PASS and VPA networks, then ATMs will cost $2.50 every time you withdraw money from it. These are the additional charges of out-network ATMs.
Banks & Credit Unions- You can also access Banks or credit unions and request them for cash withdrawals by presenting them your Chime Visa Debit Card. They limit up to $500 per day and cost $2.50 every time you withdraw cash from them. Because of this, it is referred to as Over-The-Counter-Withdrawal.
NOTE; ATM owners, merchants and network partners can also apply some extra additional charges on their own.
Can I make a deposit at an ATM?
As we know, Chime does not allow deposits from any ATM. Deposits are not accepted by their policy. If you want to deposit cash into your chime spending account, then go to the locations like Walmart, Walgreens and 7-Eleven and ask the cashier to deposit cash into your spending account. You are allowed to make 3 deposits every day. You can deposit up to $1000 every day. You can also deposit upto $10,000 every month. Chime just costs some transaction fee as third-party fund transfer.
Which are those retailers that accept cash deposits?
Here is a list of retailers that accept cash deposits and add them in spending account like Chime;
- Walmart
- 7-Eleven
- Walgreens
- Speedway
- Dollar General
- Family Dollar
- CVS
- Rite Aid
- Pilot Travel Centers
- Holiday Station Stores
- Circle K Stores
- GPM Investments
- TA Operating LLC
- Cumberland Farms Corp
Can I withdraw from my Savings Account at an ATM?
No, you cannot withdraw money from your savings account directly. First, you need to transfer the amount into your spending account and then you can withdraw it from the on-network ATM. In the Chime’s policy, you are allowed to make 6 transfers from your savings account to chime spending account every 30 days or month. Go to the Chime mobile application and select the ‘’TRANSFER’’ section. Add the amount you want to transfer into your spending account and make your transaction.
Summary:
Can I withdraw money from chime without my card? We summarized the answer that it is difficult to withdraw money from your chime spending account without a card because every Bank and online transaction site requires an ATM card, Debit cards, Prepaid card, VISA cards for the instant withdrawal of money. There is a complicated and long process for withdrawal of cash from a chime account without a card.
Frequently Asked Questions
As we know, it is necessary for every user to have an ATM or spending card. But some people forget to renew their spending cards and then they get stuck and ask many questions. Some of them are;
What is emergency Cash service?
In case your card is lost or gets stolen, then the banks and online companies like Chime, offer Emergency Cash Service. For this purpose, you need to write a report to your bank and inform them about your card. Management may offer you some facility to get cash and also report to the staff for the issuance of your new spending card. You will get your new card within one month.
Can I withdraw 5000 from chime?
No, you cannot withdraw $5000 from chime on a single day. Because the chime withdrawal limit is upto $500 per day. It means that you need 10 days to complete withdrawal of $5000 because it is a huge amount and mostly people like the average amount of withdrawals from their account. Chime also needs to regulate their money circle. So, they just allow $500 withdrawal each day.
Does chime work with a cash App?
Yes, Chime works with cash apps because it also allows its users to remain connected with chime through their smartphones. Chime allows you to add your debit card on cash app and make transactions from the cash app. There is an option in the cash app to add cards, you can also add your bank cards there for your ease and transactions.
How much can you transfer on chime?
The question of transferring funds limit arises in every mind who is the member of chime. Chime facilitates its users by giving them the maximum limit to transfer funds. Most of the members are allowed to transfer $10,000 per day every 24 hours. This is a handsome limit because it is proved reasonable for most members. According to the policy, Chime allows a $25,000 transfer limit within a month. You will have access to funds and transactions within business days. Means you have 5 business days in a week and you can only transfer money these days.
Can you add someone to your chime account?
No, still not. You cannot add any person to your account because Chime does not offer joint accounts. Chime also does not offer secondary cards. It is for the safety and security of the information of the user. Chime also cares and definitely knows the importance of sharing your spending account with your Spouse and a dependent. Chime is also working on this option but it is still under process.
CONCLUSION:
Can I withdraw money from chime without my card? It seems difficult and a long process to withdraw money from chime without a card. It is because chime does not have Cheque service. Banks and other Unions also accept Cheque and deliver cash out. But Chime is out of this service and that’s why Card is necessary for withdrawal of money. If your card is lost or stolen or expired, then request to Chime managing staff and get your new spending card. Then you can easily withdraw and transfer money from your spending account.