What Are Chime’s Account Limits? | ✅ Understanding Your Spending Power

Chime Account limits

Chime is one of the most agile online banks on the market right now. It offers many services, including a card that lets you build your credit limit without getting into unnecessary debt. However, you shouldn’t open an account with any bank out there until you know its limits for all of their customers. In this guide, we’ll cover the Chime limits that apply to you and all other users out there.

Chime’s spending limits begin with a $500 limit per day on ATM withdrawals. When it comes to point of sale, cash back and over the counter withdrawals are unlimited for the number of transactions, but the withdrawal limit is also $500 per day. Card purchases are limited to $2,500 per day, but the number of transactions per day is not limited.

To help make things a little clearer, we’ve also put together the following table so that you can easily identify your Chime account limits.

Type of TransactionFrequency/Dollar Limit
Withdrawal at ATMsNo limit on frequency, but the total dollar limit per day is $500
Point of sale cash backNo limit on frequency, but the total dollar limit per day is $500
Over the counter withdrawals No limit on frequency, but the total dollar limit per day is $500
Chime card purchasesNo limit on frequency, but the total dollar limit per day is $2,500

Understanding Chime’s Account & Credit Card Limits


The limits on a Chime account are extremely straightforward. When it comes to transactions made using your Chime card, whether that’s a point of sale cash back withdrawal, or over the counter withdrawal, or ATM withdrawal, the limit is $500 per day.

The limit on spending money in stores using your card is much higher though. You can spend up to $2,500 per day in these cases, five times as much as the above withdrawals.

The only way that this might affect you is if you need to have more than $500 in cash. If you need that amount of cash, then you’ll have to think ahead and make regular withdrawals over the course of a few days to work around your account limits.

Chime Credit Builder Card Limits


While your main Chime account is restricted to the limits above, you may also have a Chime Credit Builder card. This card functions like a credit card, but Chime doesn’t put a limit on it. You do.

This card’s limit is based on the amount of money you transfer into your Credit Builder account. If you put $500 in there, then your limit for the month is $500. If you put $1,000 in there, then your monthly limit is $1,000. The reason you can’t go above the amount you put into the account is that this money is used to pay off the card at the end of each month. Chime then reports your spending to major credit unions, increasing your credit score.

Here’s how you can apply for loans directly to your chime account.

When do my Chime Account Limits Reset?


This $500 might get in the way of your day to day life if you’re not aware of when the limit is reset. Chime states that the daily reset time for limits on all accounts is midnight (00:00) Mountain Time.

If you need to know what time midnight in Mountain Time is in your time zone, use this Time Zone Converter to find out exactly when your daily reset time is.


Your Chime account limits are simple. Any cash withdrawal, either with a store clerk or an ATM, is limited to $500 per day. Purchases made using your Chime card have a higher limit of $2,500 per day. Each of these is reset at midnight Mountain Time every day. Keep an eye on the time if you need to withdraw a lot of cash or make many purchases in a single day.

Now that you know the limits on your Chime account, you might also want to know if you can use your chime account without the card. To learn more, check out our guide here.

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