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Why did my SpotMe® limit go down?

Your SpotMe limit may have decreased due to a change in your direct deposit activity, or the expiration of boosts or bonuses.

  • Ended qualifying direct deposits: If you haven't received a qualifying direct deposit of at least $200 or cumulative deposits of $400 within the last month, your SpotMe limit might be reduced to $0. A new qualifying deposit of $200 or more will restore your eligibility. To learn more, visit How do I get SpotMe®?
  • Expired boosts: Boosts are temporary; they increase your limit for the month they are received. To continue receiving boosts, you can swap them with friends at the beginning of each month. To learn more, visit What are SpotMe® Boosts?
  • Expired bonuses: Bonuses have an expiration date. Once a bonus expires, you need to qualify for a new Chime promotion to get another bonus. To learn more, visit What are SpotMe® Bonuses?
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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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