Your SpotMe limit is made up of three parts:
1. Base limit (automatically set)
Your base SpotMe limit is set automatically by Chime and starts at $20. Over time, it may increase—up to a maximum of $200 — based on things like:
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- How often and how much you receive in qualifying direct deposits
- Your spending activity with your Chime card
- Your account history
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This limit can change over time — it might go up, down, or stay the same depending on your activity. While many members see their limit grow, not everyone will reach the maximum, even if they’ve been getting qualifying direct deposits for a while.
Your base limit is set automatically and can’t be changed by an agent.
2. Boosts
These are $5 SpotMe limit increases shared between Chime members. You can send or receive SpotMe Boosts* through the app, and they temporarily add to your limit.
3. Bonuses
From time to time, Chime may offer temporary limit increases through special promotions or bonuses. These are automatically applied if you qualify.
To check your current total SpotMe limit, see: How do I find my SpotMe® limit?
Want to know how to increase your limit? Read How do I get a higher SpotMe limit?
*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.