We’ll spot you up to $100* on debit card purchases with no overdraft fees.
Learn how we collect and use your information by visiting our Privacy Notice
Overdraft fees at traditional banks cost Americans an average of $250 a year.¹ At Chime, we do things differently. We allow you to overdraw up to $100* without charging a fee.
We’ve Got Your Back
Finally, you can have peace of mind if you overdraw your account to make a debit card purchase. With SpotMe, we’ll apply your next deposit into your Chime Checking Account to your negative balance.
Pay It Forward
When your SpotMe negative balance is repaid, we’ll give you the option to leave us an optional tip to pay it forward. Whether or not you tip won’t affect your SpotMe eligibility. SpotMe is a fee-free service, and friendly tips from our community help it stay that way!
SpotMe vs. Traditional Overdraft Protection
It's like overdraft protection but way better. We’ll let the fees speak for themselves.
How It Works
Chime members with total monthly direct deposits of $500 or more are eligible to enroll.
SpotMe limits start at $20 and can be increased up to $100 or more by Chime based on factors such as account activity and history.*
We’ll notify you to enroll in the Chime app when you have total monthly direct deposits of $500 or more
When you make a debit card purchase that exceeds your balance, we’ll spot you up to your limit
When your next deposit arrives in Chime, we’ll apply it to your negative balance
Here's everything you need to know about SpotMe.
SpotMe lets you make debit card purchases that overdraw your account with no overdraft fees. Limits start at $20 and can be increased up to $200.* We’ll spot you when you need that little extra cushion to cover an expense.
There is no fee to use SpotMe! If you use SpotMe, you’ll be able to leave us an optional tip once you repay your negative balance. This helps us offer the service to more members. Whether or not you tip does not affect your eligibility in SpotMe.
Chime members who receive $200 or more in qualifying direct deposits over the preceding 34 days, and have activated their Chime debit card are eligible for SpotMe.
Your SpotMe limit starts at $20 and can be increased up to $200* based on account history and activity. Any transaction that would overdraw your account over your limit will be declined.
Please note that Chime Member Services cannot manually increase your SpotMe limit.
Most banks that offer overdraft protection require you to link a savings account or charge fees for overdrafts on your account. Chime and its banking partners are not like most banks. We believe in having our member’s backs and will allow you to overdraft up to $200* without charging a fee. We also do not require you to link your Savings Account to your Checking Account or charge you a fee to participate in SpotMe.
SpotMe only covers debit card purchases and cash withdrawals. SpotMe does not cover Pay Friends transfers, ACH transfers (including direct debits and services like Venmo or Square Cash), or Chime Checkbook transactions.
- 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 activate your Chime debit card and agree to the SpotMe Terms and Conditions, you are officially enrolled in SpotMe!
- When you’re enrolled in SpotMe, you will be able to make debit card purchases that overdraft your account up to your limit.
- When we receive your next deposit, we will automatically apply it to your negative balance. No overdraft fees are applied. Ever.
Please Note: SpotMe only covers debit card purchases and cash withdrawals. SpotMe does not cover Pay Friends transfers, ACH transfers (including direct debits), or Chime Checkbook transactions.
Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is 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 cards are accepted. The Chime Visa® Credit Builder Card and the Chime Visa® Cash Rewards Card are issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see 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.
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.
*Chime SpotMe is an optional, no fee service that requires that you receive $500 in direct deposit a month to qualify to overdraw your account up to $20 on debit card purchases. Chime, in its sole discretion, may allow you to withdraw your account up to $100 or more based on your Chime Account history, direct deposit history 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 be increased or lowered at any time by Chime.
¹ The Q1 2017 Bank Fee Finder Report represents data from over 5,000 individual users with U.S. bank accounts. Five major banks (Bank of America, CitiBank, JPMorgan Chase, Wells Fargo, and U.S. Bank) made up 83% of all Bank Fee Finder users’ accounts. https://www.slideshare.net/ChimeBank/bank-fee-finder-april-2017-report
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