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.

To get access to SpotMe, you need to have received a single direct deposit of at least $200. To keep using SpotMe after that, you need total direct deposits of at least $200 every month. These deposits must come from an employer or payroll provider, gig economy payer, or government benefits payer (including Child Tax Credit payments), and must be deposited into your Spending Account as an automated clearing house (ACH) transfer or Original Credit Transaction (OCT).

The best way to increase your SpotMe limit is by receiving regular direct deposits into your Chime Spending Account and by using your Chime debit card regularly, however, these things don't guarantee a higher limit. Chime ultimately decides your limit at its discretion based on the following factors:

  • How long you’ve been a Chime member
  • How often you receive direct deposits
  • The amounts of your regular direct deposits
  • How often you use your Chime debit card
  • Other risk-related factors

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. 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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