Chime SpotMe disclaimer

  • SpotMe allows you to overdraw up to $200* on debit card purchases without charging a fee.
  • SpotMe limits start at $20 and can be increased up to $200* by Chime based on factors such as account activity and history.
  • Chime members who receive a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each month are eligible to enroll.
  • There are no fees to use SpotMe.

*SpotMe eligibility requirements and overdraft limits apply. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.