Who is eligible for SpotMe?

To get initial access to SpotMe, you need to receive a single direct deposit of at least $200. To keep using SpotMe after that, you need to receive total direct deposits of least $200 every month. These deposits can come from any combination of:

  • An employer or payroll provider
  • A gig economy payer
  • A government benefits payer (including Child Tax Credit payments)

Deposits from following sources do not qualify:

  • ACH transfers from linked external banks
  • Pay Friends transfers
  • Verification or trial deposits from financial institutions
  • Peer-to-peer transfers from services like PayPal, Cash App, or Venmo
  • Mobile Check Deposits
  • Cash loads or deposits
  • Tax refunds

All payments must be deposited into your Spending Account as an automated clearing house (ACH) transfer or Original Credit Transaction (OCT).

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