Chime SpotMe®
Chime SpotMe is a free, optional overdraft feature for Chime customers with an active debit card. SpotMe offers between $20 and $200 in overdrafts if you overspend on your card or take out cash from an ATM when your bank balance is low. This means you can borrow money through SpotMe, but unlike other lenders, you don't pay fees or interest.
To qualify for SpotMe, you need to have at least $200 in eligible direct deposits every month from a regular payer. And because it's an optional feature, you need to switch it on inside the app. Just look for the Overdraft fee-free option under services and view your SpotMe limit underneath.
- Available in all states
- Can be used for ATM withdrawals
- Potentially qualify for $200 in overdrafts
- Easy to switch on overdraft feature
- SpotMe limits start at $20
- SpotMe doesn't cover bill pay or P2P transfers
- Must be used with Chime checking account
Loan amount | Up to $200 |
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Loan Term | N/A |
Turnaround time | Same day |
Loan amount | $20 - $200 |
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Turnaround time | Same day |