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Chime News

Delivering more good, for you

We're doubling SpotMe base limits, up to $200 for eligible members. Keep reading to learn more.

Chime Team • May 12, 2021

We started Chime with a mission to help people improve their financial lives. Chime has now grown to include millions of members, and your stories continue to inspire and drive us to do more. You tell us what matters, and we get to work building.

Now, we’re carrying that mission into Chime’s Building More for You commitment—a promise that we’ll continue listening to our community as we create products that help members level-up their money and live their best lives. 

Today we’re excited to deliver on something that many of you have asked for: we’re doubling SpotMe base limits, up to $200, for eligible members. 

Here’s how to see your new SpotMe base limit

This SpotMe base limit increase is available to SpotMe eligible members. If you’re enrolled in SpotMe¹, you will see this in-app banner:

If you want to see or adjust your new SpotMe base, here’s how to find it:

 

Still have questions? We’ve got you.

How do I get a higher SpotMe base?

Your SpotMe base is calculated by a variety of factors such as direct deposit history and account history to determine your limit.

I have a SpotMe Boost, but my limit didn’t double. What happened?

Only SpotMe base is being doubled for eligible members. Boosts and referral bonuses are added on top of the SpotMe base.

How do I know if I got a higher limit?

You should have received an email from Chime letting you know that your limit increased.

How do I get a higher limit?

Besides your SpotMe base, you can get a higher SpotMe limit by getting Boosts from friends and earning SpotMe bonuses from programs such as referring a friend².

What’s Next

This is just the start of some really awesome upgrades headed your way in the coming months, including

  • More access to fee-free ATMs
  • Easier cash deposits 
  • New ways to build your credit

Look for the Building More for You badge and you’ll see our commitment in action, and be on the lookout for new announcements coming soon. 

We’d love to hear from you. Get in on the conversation on our Facebook, Twitter, and Instagram. 💚

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1 Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Spending 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.

2 Referral Bonus: In order for the referring Chime member (“Referrer”) to qualify and receive the $100.00 monetary referral reward and $10.00 temporary SpotMe Base Limit increase referral reward, and for the referred person (“Referred”) to qualify and receive the $100.00 monetary referral reward, all of the following conditions must be satisfied: (1) Referrer is part of the SpotMe Referral Incentive referral reward campaign; (2) Referred has not previously opened a Chime Spending Account (“Account”); (3) Referred opened the new Account using the Referrer’s unique referral link; and (4) Referred received in the new Account a qualifying direct deposit of $200.00 or more within 45 calendar days of opening. The qualifying direct deposit must be made by the referred individual’s employer, payroll provider, or benefits payer by Automated Clearing House (ACH) deposit. Bank ACH transfers, Pay Friends transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, and cash loads or deposits are not qualifying direct deposits. Members may earn no more than $50.00 in SpotMe Base Limit referral increase and may earn no more than $1,000.00 in monetary referral rewards per calendar year (January 1, 2021 - December 31, 2021 and January 1, 2022 – December 31, 2022). No member’s SpotMe limit may exceed $200. Any Referrer SpotMe Base limit increase referral reward will expire 184 calendar days from the Referred receiving a qualifying direct deposit. If an eligible Referrer loses Base Limit eligibility, and the Referred completes the above conditions, the Referrer will receive the $10 temporary SpotMe limit increase referral reward only upon regaining Base Limit eligibility. If conditions (1) – (3) listed above are met between August 17, 2021 and September 17, 2021, both the Referrer and the Referred will each receive a $5 monetary referral reward; limit $100 per calendar year for the Referrer. The Referrer may refer no more than twenty (20) persons using their unique referral link. In the event the Referrer refers additional persons in excess of 20 persons, neither the Referrer or the Referred will earn the $5 monetary referral reward. Referral rewards will generally be provided within two (2) business days after all the above conditions are met. Referred individuals acknowledge that payment of any referral reward may result in the Referrer’s knowledge of the Referred’s establishment of a new Account. Chime reserves the right to cancel or modify the terms of any referral reward offer or terminate a member's eligibility at any time with or without prior notice. Credits of $10 or more will be reported on tax form 1099-INT for new members (Referred). Credits of $600 or more will be reported on tax form 1099-MISC for referring Chime members (Referrers). Banking services are provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC.

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