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

Chime’s Whole Lotta Good: $25 Spotme Increase

By Chime Team
December 21, 2020

In a year filled with challenges and uncertainties, we’re proud to stand by our members with SpotMe

In fact, we’ve spotted our members $1.5B in 2020. That’s helped them avoid over an estimated $5B in overdraft fees in 2020¹ – and make purchases when you needed them most. 

SpotMe whole lotta good: overdraft fees

SpotMe is changing the game and we love to see it. That’s why we’re not stopping there. 

Here’s some more goodness

We’re excited to announce that eligible members are getting a month-long $25 SpotMe increase so that they can continue to focus on the things that really matter most this year. 

Chime Whole lotta Good SpotMe Limit Increase

How it works

From 12/21/2020, eligible SpotMe members² will have an additional $25 to their current SpotMe limit. This limit will expire on 01/21/2021.

Who is eligible

The $25 SpotMe increase will be available to all Chime members who are currently enrolled in SpotMe as of 12/21/2020

If you meet the eligibility criteria² for SpotMe, but have not enrolled yet – you still have time. Just keep in mind that the increase will end on 01/21/2021.

²Chime members who receive $500 or more in qualifying direct deposits over the preceding 31 days are eligible for SpotMe.

How do I set my new limit?

It’s easy and fast. If you’re eligible, all you need to do is open your Chime app > Tap Settings > and set your new limit. As easy as 1,2,3. 

How to change spotme limit

A whole lotta’ good 💚

This year had a whole lotta’ ups and downs, and that made us realize how important it is to stay focused on the ups. We’re so grateful for our members and are excited to ring in a new (and better) year with you all.

We want to hear from you. Share the good vibes on Facebook, Twitter, or Instagram

¹Based on eligible members use of SpotMe v. $32 average overdraft fee from 2012 to 2020 based on Bankrate Checking Account Fee Study.

This guide is for informational purposes only. Chime does not provide financial, legal, or tax advice. You should check with your legal, financial, or tax advisor for advice specific to your situation. Your state or local unemployment agency is responsible for making all determinations on your eligibility for unemployment benefits. Please contact your state or local unemployment agency if you have questions.

Chime® is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card and the Chime Credit Builder Visa® Credit Card are issued by The Bancorp Bank, N.A. or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit and credit cards are accepted. Please see the back of your Card for its issuing bank.

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.

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Third-party trademarks referenced for informational purposes only; no endorsements implied.

‡ SpotMe® for Credit Builder 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.

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