How do I find my SpotMe® limit?

You can find your SpotMe limit in the Chime app using either of the following methods – both take you to the same place:

From the home screen:

1. 1. 1. Under Accounts, tap the green SpotMe limit (e.g., "$20.00 SpotMe") displayed below your account balances.
      2. You’ll be taken to the SpotMe screen, where you’ll see:
         a. Available – how much of your SpotMe limit you have left to use in the current period.
         b. Your limit – showing your Total, along with the Base, Bonuses, and Boosts breakdown.

From the Profile tab:

1. 1. 1. Tap SpotMe
      2. Tap Your SpotMe to see the same screen with your available SpotMe limit and limit breakdown

See How is my SpotMe limit determined? to learn more about 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.