What is SpotMe?

SpotMe lets you make debit card purchases that overdraw your account with no overdraft fees. Limits start at $20 and can be increased up to $200*. We’ll spot you when you need that little extra cushion to cover an expense.

SpotMe only covers debit card purchases and cash withdrawals. It does not cover Pay Friends transfers, ACH transfers (including direct debits), or Chime Checkbook transactions.

*Chime SpotMe is an optional, no fee service that requires $500 in qualifying direct deposits to the Chime Spending Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases initially, but may be later eligible for a higher 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 limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. SpotMe won’t cover non-debit card purchases, including ACH transfers, Pay Friends transfers, or Chime Checkbook transactions. See terms and conditions

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