If your SpotMe limit decreased, it may be due to a Boost or Bonus expiring, a change in your direct deposit frequency or amount, or a change in your account activity. Keep in mind that Chime determines your SpotMe limit at its sole discretion, and it may go up or down at any time based on these factors.
To continue being eligible for SpotMe after your first qualifying direct deposit, you'll need to keep receiving single direct deposits of at least $200 from a qualifying source on a regular basis. You may lose access to SpotMe if you stop receiving qualifying direct deposits on a regular basis. We will monitor the frequency and regularity of your qualifying direct deposit and will look at a variety of factors to determine if your qualifying direct deposit has become infrequent. Once you start receiving qualifying direct deposits again, you will regain access to SpotMe at your previous limit.
Chime Member Service agents cannot increase your limit for you manually, nor can they turn SpotMe back on for you if you have become ineligible.
Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher 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 limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Friends transfers, or Chime Checkbook transactions. See terms and conditions.