Chime charges no monthly fee and no overdraft fee. The only recurring fee most members encounter is $2.50 for withdrawals at out-of-network ATMs — avoidable by using any of 60,000+ Allpoint or MoneyPass machines. SpotMe provides overdraft coverage up to $200 at zero cost for eligible direct deposit users.
Chime Fee Schedule 2026
| Fee Type | Chime | Notes |
|---|---|---|
| Monthly maintenance fee | $0 | No conditions |
| Minimum balance fee | $0 | No minimum |
| Overdraft fee | $0 | SpotMe covers up to $200 |
| Foreign transaction fee | $0 | — |
| In-network ATM fee | $0 | 60,000+ Allpoint + MoneyPass |
| Out-of-network ATM fee | $2.50 | Per withdrawal |
| Card replacement (standard) | $0 | Free standard shipping |
| Card replacement (expedited) | $0 | Free (varies) |
| Incoming ACH | $0 | — |
| Outgoing ACH | $0 | — |
| Wire transfers | Not offered | — |
| Account closure | $0 | — |
SpotMe: $200 Fee-Free Overdraft
SpotMe is Chime’s overdraft feature. When enabled, Chime covers debit card purchases and cash withdrawals that would put your balance below $0 — up to your SpotMe limit — with no fee.
| Detail | SpotMe |
|---|---|
| Maximum coverage | Up to $200 (starts at $20, increases over time) |
| Fee | $0 |
| Eligibility | Direct deposit of $200+/month to Chime |
| Repayment | Automatically deducted from next deposit |
| Coverage type | Debit card purchases, ATM withdrawals |
| ACH debits | Not covered by SpotMe |
SpotMe is not a loan — it’s a service that allows a temporary negative balance. Your limit increases based on account age, deposit history, and usage patterns. Starting limits are typically $20–$50 for new members.
Example: Your balance is $5.00. You buy $40 in groceries. With SpotMe enabled, the transaction is approved and your balance goes to -$35. Your next direct deposit automatically brings it positive.
ATM Fees: $2.50 Out-of-Network
Chime’s single significant fee is the $2.50 out-of-network ATM fee. Here’s how to avoid it:
60,000+ Free ATMs in the Allpoint and MoneyPass networks:
- CVS, Walgreens, Rite Aid
- Target, Costco
- 7-Eleven
- Kroger, Publix, and most major grocery chains
Find the nearest free ATM using the Chime app’s ATM locator (tap the ATM icon on the home screen).
ATM operator surcharges: If the ATM operator charges a separate surcharge (e.g., $3.00), Chime does not reimburse this. The $2.50 is Chime’s own fee on top of any third-party charge.
Chime vs Traditional Banks: Fee Comparison
| Fee | Chime | Chase | BofA | Wells Fargo |
|---|---|---|---|---|
| Monthly fee | $0 | $12 | $12 | $10 |
| Overdraft fee | $0 | $34 | $10 | $35 |
| Out-of-network ATM | $2.50 | $3.00 | $2.50 | $2.50 |
| Foreign transaction | $0 | $5% | $3% | $5% |
| Minimum balance waiver | N/A | $1,500 DD | $1,500 | $500 |
Annual savings example: A member who would have paid Chase’s $12/month fee and one $34 overdraft fee per quarter saves: ($12 × 12) + ($34 × 4) = $144 + $136 = $280/year by using Chime.
No Wire Transfer Option
Chime does not support wire transfers (incoming or outgoing). This is the main limitation for members who need to:
- Receive proceeds from a real estate sale
- Send a large payment requiring same-day clearing
- Receive an international wire
Workaround: Link a traditional bank account (Chase, BofA, etc.) for wire capability. ACH transfers from that account to Chime are free and take 1–3 days.
Related Guides
- Chime ATM limits 2026 — $500/day, 60,000+ free ATMs, full guide
- Chime routing number 2026 — 031101279 or 103100195
- Chime transfer limits 2026 — $10,000/day ACH, Pay Anyone limits
- Chime minimum balance 2026 — $0 minimum, no fee for any balance
The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy