![]() SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. Your limit may change at any time, at Chime's discretion. The features are different than what you’re used to, but they’re designed for consumers seeking a simple way to improve their credit scores. ![]() Chime offers you a secure credit card that is easy to use, virtually fee-free, and designed to build credit. You will receive notice of any changes to your limit. If you are unsure what the Chime Credit Builder is, let me explain a bit. Your limit will be displayed to you within the Chime mobile app. 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. Keep in mind that transactions that would overdraw your account by more than your SpotMe limit will be declined, and you won't be charged fees.Ĭhime 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. Transfers to apps like Venmo and Cash App.Direct debits from your Chime Checking Account (e.g., automatic bill payments like utilities or streaming subscriptions). ![]() With SpotMe, you can overdraw your account up to your specified limit for the following transactions:
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