Transactions that would overdraw your account by more than your SpotMe limit will be declined, and you won't be charged fees.Ĭhime 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. In your app, go to Settings to find your current limit. Chime may increase this limit at its discretion based on the history of any Chime-branded accounts you have, direct deposit history and amounts, spending activity, and other risk-based factors. If you need a little extra cash to cover an expense, SpotMe can help.Īfter you're eligible for the feature and turn it on in your app, you'll be able to overdraw your account by up to $20.
SpotMe is an optional, no-fee service that lets members with an active debit card make certain transactions that overdraw your Chime Checking Account.