How does Chime SpotMe cash advance work?

Open a Chime account and follow these steps:

1. Activate Card: Activate your Chime Visa® Debit Card or Chime Credit Builder Visa® Credit Card.
2. Direct Deposit: Receive at least one qualifying direct deposit of $200 or more into your Chime account.
3. Enroll in SpotMe: Open the Chime app, go to Settings, check your eligibility for SpotMe, and agree to the Terms and Conditions.
4. Confirm Limit: Confirm your SpotMe limit (up to $200).
5. Withdraw Cash: Use your Chime debit card to make a cash withdrawal that exceeds your available balance but is within your SpotMe limit.
6. Repay Overdraft: Your next deposit will cover the negative balance and bring your account back to positive.

With Chime SpotMe, you get immediate access to your cash advance. There's no waiting—you can use your money as soon as you need it. Plus, there are no fees or expedite charges when accessing your funds.

Out of hundreds of reviews published in April and May 2025 that we analyzed, we found 40+ recent comments mentioning funding speed. Here's what users say about it:

• Early pay appreciated: Many users love receiving their paychecks up to two days early, which helps them manage expenses and cash flow.
• SpotMe helps in a pinch: Users praise the SpotMe feature for providing quick access to extra funds when they're running low.
• SpotMe limits: A few users are frustrated that their SpotMe limits haven't increased over time, despite consistent use and direct deposits.

Overall, most users are happy with Chime SpotMe's quick funding and features, though some wish for higher SpotMe limits.