- 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 $100*.
- When we receive your next deposit, we will automatically apply it to your negative balance. No overdraft fees are applied. Ever.
Please Note: SpotMe only covers debit card purchases. SpotMe does not cover ATM withdrawals, Pay Friends transfers, ACH transfers (including direct debits), or Chime Checkbook transactions.