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Balance & Transactions
How do I set up auto reload to avoid a low balance?

How do I set up auto reload to avoid a low balance?

The Auto reload feature helps you avoid low balances by automatically adding money from a linked external debit card when your balance drops below a certain amount.
When your Chime Checking Account falls under your set threshold, the reload amount you have set will be transferred instantly* from your linked external debit card.

You can set up a maximum of one auto reload amount at a time. 

Note: Auto reload will automatically pause if your balance is negative. Once your balance is positive again, you’ll need to manually reinstate your auto reload settings. For more information, go to If SpotMe® covers me, do I pay it back?

To set up auto reload: 
  1. Tap the Move tab, then select Auto reload.
  2. Set your preferences: 
    • If balance falls below: Choose the threshold amount.
    • Automatically add: Choose the amount to reload.
  3. Select the external debit card you want to use for the auto-reload. 
  4. If you do not have an external debit card linked yet, tap Add debit card. 
    1. Enter your card details. Then tap Link my debit card. 
    2. The Auto reload screen should now be updated with your linked card. 
  5. Tap Turn on to confirm.
  6. You’ll see a confirmation screen when setup is complete. Tap Got it to return to the app.
After auto reload has been set up, you’ll get a notification whenever auto reload is triggered. Your auto reload amount will also appear in your activity feed with your other transactions.

You can also change your auto reload schedule anytime. To manage your auto reload schedule: 
  1. Go to the Move tab. Tap Auto reload.
  2. Tap Edit to change the amounts for the “If balance falls below” and “Automatically add” fields. 
    • Note: You can choose a deposit amount between $25 and $200. 
  3. Confirm that you have set your preferred external debit card. 
  4. Tap Save to confirm your new settings. 
  5. If successful, you’ll see a confirmation screen. Tap Got it to return.
  6. You can also turn off the auto-reload by clicking on the ‘Turn off’ button. 

Can I use more than one debit card for auto reload?

If you have more than one external card linked, you may choose from any of them. Follow the steps above for managing your auto reload schedule. 

*There may be times when instant transfers may be delayed due to network timing or other factors beyond our control.