Are you wondering if Chime credit card can be used to withdraw money?
Do you want to know how to withdraw cash from ATM using a Chime credit builder card?
Or do you need some help in setting up a PIN for Chime credit card?
Well, if you have got a lot of questions related to the Chime credit builder card money withdrawal procedure, you have reached the right place.
We are pretty sure you can find answers to all of your queries right here. As we have included all the important details, you need to know about the procedure.
So, without any further ado, let us dive right into the details.
Table of Contents
Can you withdraw cash from Chime credit builder card
The direct answer to the question is Yes. You can withdraw cash from Chime credit builder card at your nearest ATM.
Chime credit builder card is just not your regular credit card. It supports a lot of additional features which eventually helps you build your credit score.
Chime helps ramping up the credit score by reporting timely payback of the bills at the month end to the concerned authorities. Users are just required to add money to the credit builder card. Bills are automatically paid at the right time and thus the credit score is maintained.
You might want to keep it safe. If lost, you can apply for the card replacement, but you will receive the standard hard plastic card.
As just mentioned, you can even withdraw cash from Chime credit builder card easily from a nearby ATM outlet. And this is the only way to withdraw money from a Chime credit builder card. Below, you can find a guide to withdraw funds from ATM using Chime card.
Can I use my Chime credit builder card at ATM
Yes, you can use Chime credit card at ATM to withdraw money. You will just need your card and use it like any other bank debit card to withdraw the money.
The official Chime account on Reddit has replied to a comment where a user asked if Chime works at an ATM. You can check out the post below.
Before you move out to try withdrawing cash from Chime credit builder card, you should be aware of some of the essential details.
According to the official statement by Chime, users can use the Chime credit card to withdraw the amount of either available to Spend amount or a max of $500 every 24 hours – whichever is the lower amount. There is no other restrictions to withdraw cash using the credit builder card.
And the best part is, you do not have to pay fees at the in-network ATM. The ATMs in the non-network region will charge you a very small percentage of fee only—no need to worry about it.
By using a Chime credit card to withdraw cash from the ATM, you get a cash advance, that means funds are not deducted from your spending account. It’s a great feature, if you have limited funds in your spending account.
How to use Chime credit builder card at ATM
Now, you know it is possible to withdraw cash from ATM using Chime credit builder card. Let us see how to use it.
You can try using your Chime credit builder card at ATM. It has to be used like any other debit card. But before that, you will be required to set a PIN for your Chime builder card.
We have provided a well-researched guide below, if you need more insight on the procedure. Proceed with Step 1, and you will be able to use a Chime credit card to withdraw cash.
Step 1.a – Set up a PIN
As mentioned, to use a Chime credit card, you will be required to set up a PIN for the card. This PIN will be required to access Chime card at the ATM.
Step 1.b – Open Chime app Settings
Now, open the Chime app on your mobile device.
On the same homepage app, you will need to open the app settings. To do this, hit the gear icon situated at the top left corner of the home page.
Step 1.c – Set your ATM PIN
On the Settings page, you will see several different options. There find the ‘Change your PIN‘ option.
On selecting the ‘Change your PIN’ option, you will be asked for a four-digit PIN. Enter the PIN as per your choice.
And that’s it.
That is exactly how you can set up a PIN for your Chime credit builder card.
The remaining procedure is withdrawing the cash from the ATM. It is the same as withdrawing money using a bank debit card. But, if you still need help, do consider the steps provided below.
Step 2 – Locate the ATM
You can visit any ATM near you to withdraw the cash. If you visit an in-networks ATM, there will be no extra fee for withdrawing the money.
ATMs other than that will ask for a small fee at the time of withdrawing the cash.
Step 3 – Insert Chime Credit Builder Card
Simply insert the Chime credit builder card in the slot and wait for the instructions.
Step 4 – Select Account Type
Now, you will be asked to choose the account type.
Here, you will be required to select the Chime credit-builder account. As it is a cash-advance withdrawal, the money is not taken from your spending account on Chime bank.
Step 5 – Enter the Amount
Now, enter the amount that you want to withdraw. You can only withdraw a limited amount.
Step 6 – Enter PIN
Enter the ATM PIN that you generated in your app.
We suggest only using it after 24 hours. It needs some time to get activated completely.
And that’s it.
Now, you just need to withdraw the cash.
And that’s pretty much it, guys.
In this post, we first discussed if it is possible to use a Chime credit builder card at ATM. Along with that, you get to learn some additional related details about the cash withdrawal from the Chime credit builder card.
And in the last part of this post, we included a detailed guide on how to use a Chime credit builder card.
Well, all the steps discussed above are straightforward to implement. But, if you still need any help, do let us know in the comments section below.
Ankit Kumar is an Engineer by profession and a blogger by passion. Over the last several years, he has written tons of articles, solving queries on Quora. He also has years of experience in investing in Cryptocurrencies, Funds, and Stocks.