Online banking with no overdraft fees.
Overdraft up to $2001 without fees
Get spotted on debit and credit card transactions, plus cash withdrawals
Increase your SpotMe limit with SpotMe Boosts2 from family and friends
SpotMe® Fee-Free Overdraft
Learn how we collect and use your information by visiting our Privacy Notice ›
What is overdraft coverage?
Overdraft coverage ensures you can withdraw cash or make purchases that exceed your available balance in your account without incurring expensive overdraft fees.
Billions Saved In Overdraft Fees.
Join millions of Chime members who enjoy fee-free overdrafts1 and peace of mind.
I love Chime for so many reasons - I get paid a day earlier, I can track my money and payments, [and] send money and pay people with ease and confidence.
Bryan P.
SpotMe? It's great, it's saved your life so many times... Chime has made my life so easier and has been the reason I can continue to pay bills on time and feel accomplished. 🙌
Alyssa L.
I love the SpotMe Boost feature! Since joining Chime, I've met several people who also use the service. We boost each other every month... I love having it there if needed.
Shyanne D.
There is nothing like having SpotMe at your disposal for those unexpected and random occasions. It's a game changer and the peace of mind it provides is the best part.
Jaime A.
SpotMe has saved me when I've needed a lil extra cash right before payday!
Debra H.
Real Member. Paid Testimonial.
Chime SpotMe vs. traditional overdraft fees
$0
Chime SpotMe Fees
$0
$0
Chime SpotMe Fees
$27
Traditional Banks3
$27
$27
Traditional Banks3
Direct deposit unlocks SpotMe® and more, with Chime+
Unlock even more of Chime plus exclusive benefits, for free with your qualifying direct deposit4.
How to use Chime's SpotMe.
Kiss Overdraft Fees Goodbye.
Chime has your back with fee-free overdraft up to $2001
FAQs
What is an overdraft fees?
An overdraft fee is a fee that a bank or credit union charges you when a purchase or other transaction exceeds the available balance in your checking account. Overdraft fees can be charged on in-store purchases, online shopping, bill payments, cash withdrawals, and other transactions. Learn more about overdraft fees on our blog.
How do I avoid overdraft fees?
Make sure to read your bank’s terms and conditions before choosing a bank account. While banks are no longer allowed to automatically charge overdraft fees without your consent, it’s possible to opt in for overdraft protection without realizing it.
Read more about how to avoid overdraft fees on our blog.
Additionally, you can avoid overdraft fees by banking through Chime and opting into SpotMe to cover any debit or credit transactions or cash withdrawals that would result in a negative balance in your Chime Account.
Will I ever be charged an overdraft fee through Chime?
No. If you do not have sufficient funds in your Chime Checking Account or your secured Chime Visa® Credit Card Secured Deposit Account, or have reached your SpotMe limit (if enrolled), then your Chime Visa® Debit Card or Chime Card will be declined. There is no fee for declining transactions or for utilizing SpotMe.
What is Chime’s SpotMe?
SpotMe is a completely free service for eligible Chime members who overdraft their checking account or Chime Card™.
Once you’re eligible, enroll in SpotMe (it’s fee-free!), and we’ve got your back when you overdraft your account by up to $200.1
Who is eligible for SpotMe?
Any Chime members who currently have Chime+4 and have activated their Chime debit card or Chime Card are eligible for SpotMe.
How do I enroll in SpotMe on Chime?
Activate your Chime card.
Open the Settings tab in your Chime app to find out if you’re eligible for the SpotMe feature (make sure you have the latest version of the app).
Once you agree to the SpotMe Terms and Conditions, you are officially enrolled in SpotMe!
Is there anything SpotMe does not cover?
You can use SpotMe for:
Debit card transactions
Credit card transactions
Cash-back transactions
ATM withdrawals
SpotMe does not cover:
Pay Anyone transfers
Direct debits, such as automatic bill payments, from your Checking Account
Transfers to your Savings Account
Transfers to apps like Venmo and Cash App
Chime Checkbook transactions
How much can I overdraft with SpotMe?
Your SpotMe limit starts at $20 and may go up to $200 depending on your account activity, history, and other risk factors. Receiving bonuses and SpotMe® Boosts1 from friends with Chime can temporarily increase your SpotMe limit.
Note: Chime Member Service agents cannot increase your SpotMe limit for you.
How do I change my Chime SpotMe limit?
Your Chime SpotMe limit is set automatically by a variety of factors related to how you use your Chime account. This may include how long you’ve been a member, your account history, and how much you direct deposit per month. We’ll notify you if and when you qualify for a higher limit.
If you want to manually lower your limit to a personal max you can do so by opening your Chime app > Scrolling down in your Home feed > Tapping Settings > and adjusting your limit.
If SpotMe covers me, how do I pay it back?
The next time money is deposited into your Checking Account or Chime Card secured deposit account, we’ll automatically apply it to your negative balance or owed amount. You’ll be in the clear, without having paid any overdraft fees.
