If you don’t receive Qualifying Direct Deposits of $200+ every 34 days, you can still use SpotMe Boosts*. You won’t receive a base limit or SpotMe bonuses. However, you can:
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- Send or receive one (1) Boost per month ($5 of SpotMe coverage).
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- To start, you must first receive a Boost from another Chime member and enroll in SpotMe.
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- Boosts expire at the end of each month, so you’ll need to re-enroll in SpotMe the following month to continue using SpotMe with Boosts.
- Send or receive one (1) Boost per month ($5 of SpotMe coverage).
Want to temporarily increase your limit? Visit What are SpotMe® Boosts?
*Boosts are available to eligible Chime members enrolled in SpotMe® and are subject to monthly limits.
SpotMe® for Credit Builder 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. 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.