By Editorial Team
Last Updated: Apr 03, 2025
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Chime SpotMe is a service that lets you overdraft your account by up to $200 on debit card purchases and cash withdrawals without any fees. Instead of charging overdraft fees, Chime covers your negative balance and automatically deducts it from your next deposit.
To use SpotMe, you need to have a Chime Checking Account and receive at least $200 in qualifying direct deposits over the past 34 days. Your overdraft limit starts at $20 and can increase up to $200 or more based on your account activity. There are no fees or interest charges, and you can use SpotMe to cover everyday purchases and withdrawals.
Chime doesn't charge any fees for using SpotMe, but they offer an optional tipping feature where you can tip after repaying your negative balance. Tipping is completely optional and doesn't affect your eligibility or limits. Chime is a financial technology company based in San Francisco.
Yes, Chime SpotMe lets you access a cash advance by allowing you to overdraft up to $200 on your debit card purchases and cash withdrawals—without any fees or interest charges. To qualify, you just need to have $200 or more in direct deposits to your Chime account over the past 34 days. Your initial limit starts at $20 and can increase up to $200 or more based on your account activity. When your next deposit arrives, Chime automatically applies it to repay the overdraft, so there's no hassle. Best of all, there are no monthly fees or mandatory charges, making it a simple way to get a bit of extra cash when you need it.
There are a few main criteria that will make you eligible for a cash advance from Chime SpotMe:
Chime will then determine your eligibility and SpotMe limit based on your account activity and direct deposits. No credit checks are required, and as you continue to receive regular qualifying direct deposits, you may become eligible for higher SpotMe limits over time.
Besides the fee-free overdraft protection that Chime SpotMe offers, there are some other features you might find interesting.
Chime's SpotMe Boosts let you temporarily increase a friend's SpotMe limit by $5. You can send and receive up to four Boosts per month, and each Boost lasts until the first day of the next month. It's a simple way to help out friends when they need a little extra.
Chime also offers the Chime Credit Builder Visa® Credit Card, a secured credit card designed to help you build credit with everyday purchases. There are no annual fees, no interest charges, and no minimum security deposit required. Plus, SpotMe works with Credit Builder, giving you overdraft protection on your credit card purchases without affecting your credit score.
While Chime SpotMe doesn't charge any fees or interest for overdrafts, you have the option to leave a tip after you've repaid your negative balance. Tipping is completely optional and doesn't affect your eligibility or SpotMe limits. It's just a way to help keep SpotMe fee-free for everyone.