By Editorial Team
Last Updated: Jun 13, 2025
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Chime's SpotMe is a convenient feature that allows eligible members to overdraft their accounts up to a certain limit without incurring fees. While it's useful for managing unexpected expenses, you might decide to turn off SpotMe or delete the Chime app altogether. This guide will walk you through the steps to disable SpotMe and ensure no further payments are deducted.
To stop using SpotMe and prevent any further overdrafts or deductions related to this feature, follow these steps:
By turning off SpotMe, you're effectively canceling the service. Chime will no longer approve transactions that would overdraw your account, ensuring that no additional payments are deducted through this feature.
If you've decided to stop using Chime altogether and want to remove the app from your device after disabling SpotMe, follow these steps:
Note: Deleting the app does not close your Chime account. If you wish to close your account entirely, you will need to contact Chime's customer support.
When disabling SpotMe and deleting the Chime app, keep the following in mind.
Disabling SpotMe stops the overdraft feature but does not affect any scheduled transactions or direct deposits set up with your Chime account. If you have recurring payments or subscriptions linked to your Chime account, manage or cancel them separately to prevent future deductions.
Turning off SpotMe does not unlink your bank account from Chime. If you wish to unlink any external bank accounts or cards, you can do so within the Chime app before deleting it.
Uninstalling the app does not close your Chime account. To close your account and ensure all services are terminated, you must contact Chime's customer support.
If you change your mind, you can re-enable SpotMe at any time, provided you meet Chime's eligibility criteria.
If you need assistance with closing your account or have additional questions, you can reach Chime's customer support through the following methods:
Disabling the Chime SpotMe feature and deleting the app is a straightforward process that puts you in control of your finances. By following the steps outlined above, you can ensure that no further payments are deducted through SpotMe and manage your Chime account according to your preferences. Remember to address any recurring payments or linked accounts to prevent unexpected charges. If you need further assistance, Chime's customer support is available to help with any concerns.