However, it is important to note that SpotMe does not cover certain transactions, including Pay Anyone transfers and direct debits from Chime Checking Accounts, such as automatic bill payments for utilities. With SpotMe, Chime covers qualifying transactions such as: The specific limit varies based on the user's account and/or historical transaction activity. Once enabled, users are able to overdraw their accounts by a certain amount, typically ranging from $20 to $200. When a member has an active Chime debit card and is eligible for SpotMe, they can opt in to this feature in their app.

This service acts as a financial safety net for users who might need a little extra help covering an expense or transaction.

SpotMe is a unique feature offered by Chime to its members, which allows them to overdraw their accounts without incurring any fees. With SpotMe, you can overdraw from $20 up to $200 and pay what you owe when you next deposit funds to your account. This overdraft service is free for all eligible Chime users. SpotMe is an optional feature in Chime that allows users to spend more funds than what are available in their balance. Learn how Chime SpotMe works with this complete guide. SpotMe is a nifty feature offered by Chime that allows for easy access to funds when your account balance is running low.