Who is eligible for SpotMe?

To get the SpotMe starting limit of $20 in overdraft protection, you need to have received a single direct deposit of $200 or more within the past 31 calendar days. The deposit must be paid as an automated clearing house (ACH) transaction and can come from any of the following qualifying sources:

  • Employer or payroll provider
  • Gig economy payer company
  • Government benefits

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
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