Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank or Stride Bank N.A.; Members FDIC

Chime News

SpotMe Boosts: the new way to show your love

Today we’re launching SpotMe Boosts—the coolest way to help your Chime friends and family while also adding to your own SpotMe limit.

Chime Team • April 2, 2021

We get so much more when we give to others. Whether it’s covering for someone when they’re a tad short, or being there to help launch a life-changing moment, it’s that giving spirit that makes SpotMe a fan favorite.

And now it’s your turn to spot others temporarily with some extra money when they need it. Today we’re launching SpotMe Boosts—the coolest way to help your Chime friends and family while also adding to your own SpotMe limit.

How SpotMe Boosts work

Every month, we’ll give you Boosts to send to people you know on Chime to increase their SpotMe limits. Boosts never come out of your own limit. And yes, they can Boost you back. 

Chime gives you new Boosts every month

Pick a friend and hit “Send $5 Boost” next to their name

Your friends and fam can Boost you back

SpotMe Boosts FAQ

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

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.


So go ahead, spot your sweetie. Boost your boo. Share the love. Try SpotMe Boosts today. It’s just another way Chime looks out for you and those you care about.

Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.

While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.

By clicking on some of the links above, you will leave the Chime website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Chime. We recommend you review the privacy statements of those third party websites, as Chime is not responsible for those third parties' privacy or security practices.

Opinions, advice, services, or other information or content expressed or contributed here by customers, users, or others, are those of the respective author(s) or contributor(s) and do not necessarily state or reflect those of The Bancorp Bank and Stride Bank N.A. (“Banks”). Banks are not responsible for the accuracy of any content provided by author(s) or contributor(s).

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 or Stride Bank, N.A., Members FDIC.

2 Chime 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 and Visa debit card activation. 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 Anyone transfers, or Chime Checkbook transactions. See terms and conditions.

© 2013-2022 Chime. All Rights Reserved.