SpotMe is a fee-free overdraft* feature for eligible Chime members who have activated a physical Chime Visa® Debit Card, secured Chime Credit Builder Visa® Credit Card or secured Chime Visa Credit Card®.
It lets you spend a little more money than what you have in your account, up to a preset limit, when you're short on funds.
To use SpotMe, you’ll need to activate a physical card — either your Chime Visa® Debit Card, secured Chime Credit Builder Visa® Credit Card, or secured Chime Visa Credit Card®. Card activation is required before SpotMe can be used.
Most physical cards are delivered within 7-10 business days when ordered.
Why you need the CVV for SpotMe
To finish setting up certain features (like SpotMe or card activation that ask for CVV), we may ask you to enter the CVV from the back of your physical card. If you haven’t received your physical card yet, you won’t be able to complete this step.
Once your card arrives in the mail, you can finish setup from the Chime app by following the steps in How do I activate my card?
After you enter the correct CVV and finish activation, your card should be ready to use and you can complete enrollment into SpotMe.
*SpotMe® for Credit 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. SpotMe for Credit and SpotMe on Debit share a single 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.