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SpotMe Boosts 101 – Spread Some Love

In this article

  1. Why SpotMe Boosts?
  2. How SpotMe Boosts Work
  3. When Do You Send SpotMe Boosts?
  4. SpotMe Boosts FAQ

Every month, sending SpotMe Boosts is a great way to give someone you care about a higher SpotMe limit.

illustration representing SpotMe Boosts, rocket ship coming out of phone

Chime Team • August 2, 2021

When you help someone out, it boosts your spirits. Well, that’s the spirit behind SpotMe Boosts: Chime’s unique way of helping you, help others. 

Why SpotMe Boosts?

SpotMe was originally created to help members handle life’s financial curveballs, avoid overdraft fees, and help take care of everyday essentials. Now with SpotMe Boosts, we’re giving eligible members the chance to share the love with other Chime members. It’s just another way Chime is committed to Building More for You. 

How SpotMe Boosts Work

SpotMe Boosts are temporary increases to a person’s SpotMe limit that you can send someone through the Chime app. Every month, you’ll get SpotMe Boosts to send people you know on Chime, to increase their SpotMe limit. To be clear, Boosts never come out of your own limit. 

Step by step of how to use SpotME


Chime Gives You New Boosts Every Month

You’ll get a fresh batch of Boosts on the 1st of every month. Just head to the “friends” tab to see how many boosts you have available to send.


Pick a Friend and Hit “Send $5 Boost” Next to Their Name

Since SpotMe Boosts don’t come out of your limit, you don’t have to be picky. Find a friend and brighten their day, the boost way.


Your Friends and Fam Can Boost You Back

Like a boost boomerang, what goes around comes around. When you boost someone, they can return the favor and love by boosting you back. 

When Do You Send SpotMe Boosts?

Whenever you want to help someone out! Got a Chime friend that’s running low on funds? Boost ‘em. Know someone that’s having “one of those days?” It’s boost time! And yes, when you need a hand, they can boost you back. Check out the ways members have helped boost each other’s SpotMe limit.

SpotMe Boosts FAQ

Here are some SpotMe Boosts-related questions that may be orbiting around your mind: 

Is there a fee for using SpotMe Boosts?

Fees? Are you serious? SpotMe Boosts are a no-fee zone. For instance, if you send a $5 Boost to someone, they get a temporary $5 Boost to their SpotMe limit.


Can SpotMe Boosts increase my SpotMe limit on Chime?

Yup! Your SpotMe limit temporarily increases when someone boosts you back in the Chime app. 


Does the person you’re boosting need to be a Chime member?

Yes. If they’re not a Chime member, nothing says “Join Chime now” like a $100 bonus! You and your friend can both get $100 when they enroll for a Chime Checking Account using your referral link, and receive a qualifying direct deposit of $200 or more within 45 calendar days of enrolling¹.


Does my friend or family member need to be eligible for SpotMe?

 No, they don’t need to be eligible for SpotMe² to receive a Boost, and they can boost you back!

How do I know if I’m eligible for Boosts?

Simple, if you’re currently eligible or already enrolled in SpotMe², you’re eligible for Boosts. If you’re enrolled in SpotMe, head over to your friends tab to see how many boosts are available to send. Remember, they reset every month, so check back monthly to boost friends and family.


Try SpotMe Boosts. It’s just another way we are looking out for you and those you care about.

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1 Terms and Conditions: 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 an Account (“Account”); (3) Referred opened a new Account between January 1, 2022 and December 31, 2022; (4) Referred opened the new Account using the Referrer’s unique referral link; and (5) Referred received in the new Account a qualifying direct deposit of $200.00 or more within 45 calendar days of opening. A qualifying direct deposit is a direct deposit from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit 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, 2022 - December 31, 2022 and January 1, 2023 – December 31, 2023). 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. Referral rewards will generally be provided within two (2) business days after all the above conditions are met. The Referrer’s account must be in good standing in order to receive the referral reward. 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 or enrollment in a product. 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, N.A. or Stride Bank, N.A., Members FDIC.

2 SpotMe® on Credit is an optional, no interest / no fee overdraft line of credit tied to the Secured Deposit Account available to qualifying members with an active Chime Credit Builder Account. SpotMe on Debit is an optional, no fee overdraft service attached to the Chime Checking Account available to qualifying members after Visa debit card activation. Both SpotMe on Credit and SpotMe on Debit are sometimes collectively referred to as "SpotMe" or, if you have signed up to use SpotMe with only one account, "SpotMe" means the elected service. To qualify for SpotMe, you must receive $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 Secured Deposit Account (associated with your Chime Credit Builder credit card) up to $20, but may be later eligible for a higher limit of up to $200 or more based on Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe Debit Terms and Conditions and SpotMe on Credit Terms and Conditions.

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