How Does SpotMe on Chime Work? Your Questions Answered

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A user-friendly guide to understanding and using the SpotMe feature with Chime banking

Written by Rain Kengly

Last Updated: May 20, 2025

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How does Chime's SpotMe work?

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Using SpotMe

Are you curious about Chime's SpotMe feature? If you have a Chime account and debit card, you may be eligible to save on overdraft fees. When you overdraw your account, Chime will cover extra costs of up to $200 until you get paid again. This can be helpful if you need to purchase something immediately, but can't wait until payday. This wikiHow will explain how SpotMe works on Chime and how to use it on your iPhone or Android device.

Things You Should Know

SpotMe is free to use for eligible Chime members. You must have your debit card activated and a regular $200 monthly deposit.
SpotMe allows you to overdraw your account by your approved limit without any fees.
When you deposit money into your account, Chime will automatically apply it towards your negative balance.

Section 1 of 2:

How does Chime's SpotMe work?

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SpotMe covers you from $20 to $200 when you overdraw your account. Chime's SpotMe service is available for eligible users who make a single deposit of $200 or more each month. When you overdraw your account, your new balance will reflect in the negatives, but you won't be charged an overdraft fee like with other major banks. When you get paid again or load your card, Chime will automatically apply it to your negative balance.
- Keep in mind this only applies to debit card purchases and cash withdrawals. This will not cover Pay Anyone transfers, ACH transfers, or Chime Checkbook transactions.^{[1]
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- Your limit is based on a variety of factors, such as your deposit activity and account history.
- While Chime doesn't offer cash advance, there are plenty of eligible apps that work seamlessly with Chime.

Section 2 of 2:

Using SpotMe

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1
Launch the Chime app. This looks like a white c with a green background.
- Chime is available for iOS in the App Store and for Android in the Google Play Store.
- Make sure you're eligible. If your debit card is activated and you have a $200 qualifying monthly direct deposit, you'll be able to enroll.
This is the cog icon in the top-left corner.
3
Toggle on
"Overdraw fee-free". This will be underneath the SpotMe header.
- You can find the amount you're able to overdraw next to Your Limit.
4
Make a purchase. If you're still waiting for payday, but you need to purchase something immediately, Chime can cover you.
- If you try to overdraw your account more than your limit, Chime will simply decline the transaction. You won't need to pay any fees.
When money is deposited into your Chime account, it will automatically be applied to your negative balance. You won't receive any overdraft fees.