SpotMe* usually covers you up to your approved limit. But sometimes, a charge is posted to your account after the initial authorization . This happens when the merchant sends the final charge amount later, even if it’s higher than what was first authorized. These are called force posts.
Examples of force posts:
Gas station: You might see a $1 hold, but later the full $40 charge is posted to your account. .
Restaurant: You pay $25, but after adding a tip, the final total is posted .
Subscriptions: A monthly charge (like streaming) may still post even if you’ve already reached your SpotMe limit.
When this happens, your balance can go below your SpotMe limit. Don’t worry, you won’t be charged an overdraft fee. Your next deposit will bring your account back up once SpotMe has been repaid.
*SpotMe® on Credit is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, "SpotMe"). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month.
Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined limit of up to $200 or more based on member’s Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. SpotMe for Credit and SpotMe on Debit share a single SpotMe limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won’t cover non-card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe terms and conditions.