You can take advantage of SpotMe if you have Chime+ status and meet the requirements below. Once you're eligible, you can enroll in the app.
To be eligible for SpotMe, you must:
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- Have activated a physical Chime Visa® Debit Card or Secured Chime Credit Builder Visa® Credit Card (either works!)
- Receive at least one Qualifying Direct Deposit of $200 or more into your Chime Checking Account within the past 34 days.
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Find out What counts as Qualifying Direct Deposits?
Not getting direct deposits? See Can I use SpotMe® if I don't receive qualifying direct deposits?
SpotMe® for Credit Builder is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, “SpotMe”). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month.
Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined 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 SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won't cover non card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe Terms and Conditions.