- Open the Settings tab in your Chime app to find out if you’re eligible for the SpotMe feature (make sure you have the latest version of the app).
- Once you agree to the SpotMe Terms and Conditions, you are officially enrolled in SpotMe!
- When you’re enrolled in SpotMe, you will be able to make debit card purchases that overdraft your account up to $200*.
- When we receive your next deposit, we will automatically apply it to your negative balance. No overdraft fees are applied. Ever.
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 $200 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