How do I get SpotMe®?

To be eligible for SpotMe, you need an active physical Chime debit or Credit Builder card (it works on both). Also, you must have at least one qualifying direct deposit of $200 or more into your Chime Checking Account each month. This deposit must be from your job, payroll service, gig work, or benefits provider, by Automated Clearing House (ACH) deposit or Original Credit Transaction (OCT).

These types of deposits don't qualify for SpotMe:

      • ACH transfers from other accounts.
      • Transfers using Pay Anyone.
      • Small test deposits from banks.
      • Money sent from apps like PayPal, Cash App, or Venmo.
      • Deposits of checks using your phone.
      • Cash put into your account.
      • One-time deposits, like tax refunds.

If you have an active physical debit or Credit Builder card, you can turn on SpotMe in the app settings after accepting the terms. Remember, you must keep getting qualifying direct deposits of $200 or more each month to keep using SpotMe.

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.

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Chime® is a financial technology company, not an FDIC-insured bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.

The Chime Visa® Debit Card and the secured Chime Credit Builder Visa® Credit Card are issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. Please see back of your Card for its issuing bank.

*Chime is not FDIC-insured. The Bancorp Bank, N.A. and Stride Bank, N.A. are the FDIC-insured members. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.

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