Chime SpotMe is a convenient feature that allows you to cover small overdrafts without fees. However, if you've decided it's time to disable this feature and prevent any future overdrafts, this guide will walk you through the process step by step.

Disabling Chime SpotMe Through the App

Follow these steps to turn off the SpotMe feature directly from the Chime app:

1. Open the Chime App: Launch the Chime app on your mobile device.
2. Access Settings: Tap on the Settings icon, usually represented by a gear symbol.
3. Navigate to SpotMe: In the Settings menu, find and tap on "SpotMe".
4. Manage SpotMe Accounts: Select "Manage SpotMe Accounts" from the SpotMe menu.
5. Turn Off SpotMe: Toggle the SpotMe switch to the "Off" position.
6. Confirm: When prompted, tap "Confirm" to disable the SpotMe feature.

Your account will no longer use SpotMe to cover overdrafts, helping you avoid potential negative balances.

Important Notes When Disabling SpotMe

Overdraft Protection

Disabling SpotMe means your account will not cover overdrafts beyond your available balance. Transactions exceeding your balance may be declined.

Financial Well-being

Regularly relying on SpotMe can lead to consistently negative balances. Turning it off can help you manage your finances more effectively and avoid a cycle of debt.

No Additional Cancellations Needed

There's no need to unlink bank accounts or stop auto payments related to SpotMe, as turning off the feature takes care of everything related to overdraft protection.

SpotMe for Credit Builder

If you are using SpotMe with Chime's Credit Builder, disabling SpotMe will also stop overdrafts associated with that service.

Customer Support

If you encounter any issues or have questions, don't hesitate to contact Chime's customer support for assistance.

Taking Control of Your Finances

By disabling the SpotMe feature, you're taking a proactive step toward managing your finances and avoiding unexpected overdrafts. Remember that while SpotMe can be helpful in emergencies, it's essential to use such features responsibly to maintain financial health.

For any further assistance or information, reach out to Chime's customer support through the app or their official website.