How do I get a higher SpotMe® limit?

Your SpotMe base limit is automatically determined by your account activity and can’t be changed manually by a Chime Member Service agent. But don’t worry – there are a few ways you can temporarily increase your limit. You can:

• Exchange SpotMe Boosts*: 
  • • Ask a friend who is also a Chime member to boost you
    • Join an official Chime community to exchange boosts
      • • • Chime Crew – Private Facebook Group
          • r/chimefinancial – Reddit Subreddit
          • Discord – Community Server
    • Read What are SpotMe® Boosts? for more details

• Look out for SpotMe Bonuses: From time to time, Chime offers limited-time promos that can temporarily raise your limit.
  • • Learn more about SpotMe Bonuses by visiting What are SpotMe® Bonuses?

• Check your personal max setting: Even if you qualify for a higher limit, you may have set a personal max that’s holding your limit down.

To adjust it in your Chime app:

1. 1. 1. 1. 1. Go to the SpotMe hub (Visit How do I find my SpotMe limit? for the step-by-step instructions.)
            2. If your total shows “Higher limit available” — you can increase it
            3. Tap the pencil icon next to your current limit to update your personal max

• You can also explore other Chime products to help manage short-term expenses, such as MyPay¹ and Instant Loans². To learn more, visit the articles below:
  • • • • What is MyPay^TM?
        • How do I get a loan?

Helpful tips to get the most out of SpotMe

• • Send Boosts to friends: this can increase your chances of receiving one in return (though not guaranteed).
  • Maximize Boosts and Bonuses: if you have less than 4 Boosts or under $50 in SpotMe bonuses, you might qualify for more.
    • • • Check the SpotMe page in your Chime app for current offers and eligibility.

*Boosts are available to eligible Chime members enrolled in SpotMe® and are subject to monthly limits.

¹To be eligible for MyPay, you must receive a Qualifying Direct Deposit to your Chime Checking Account in the preceding 36 days as set forth in the MyPay Agreement. A Qualifying Direct Deposit is a deposit from an employer, payroll provider, gig economy payer, government payer, or other permitted sources of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Maximum Available Advance may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20-$500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See MyPay Agreement for details.

²Loans are made by The Bancorp Bank, N.A.