By Editorial Team
Last Updated: Jun 13, 2025
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Chime SpotMe is a cash advance feature that lets eligible Chime members overdraft their Chime Checking Account by up to $200 without any fees or interest charges. It's a handy way to cover small expenses when you're running low on funds.
To qualify for Chime SpotMe, you need to have an active Chime Visa Debit Card or Chime Credit Builder Visa Credit Card and receive a qualifying direct deposit of $200 or more into your Chime Checking Account at least once every 34 days. The starting limit is $20 and can increase up to $200 or more based on your account history, direct deposits, and spending activity.
SpotMe covers transactions like debit card purchases and cash withdrawals, with automatic repayment from your next deposit. There are no fees or interest charges, and you can even choose to leave an optional tip after repaying your negative balance. Using SpotMe does not affect your credit score.
Yes, Chime SpotMe offers a cash advance feature that lets you overdraft your account by up to $200 without any fees or interest. To qualify, you need to have at least $200 in monthly direct deposits into your Chime Checking Account and have an activated Chime Visa Debit or Credit Builder Card. Your limit starts at $20 and can increase based on your account activity. They automatically repay the negative balance from your next deposit, so you don't have to worry about manual repayments.
To qualify, you need to meet the following criteria:
Once you meet these requirements, you can enroll in SpotMe through the Chime app. Your SpotMe limit starts at $20 and can increase up to $200 or more based on your account activity and direct deposits. There's no credit check required, and using SpotMe won't affect your credit score.
Beyond just covering overdrafts, Chime SpotMe has a few other features that can help you manage your money.
With SpotMe Boosts, you can increase your overdraft limit temporarily by $5 when you and your friends send boosts to each other. You'll have a limited number of boosts each month, and they reset on the 1st of every month. It's a great way to give each other a little extra wiggle room when needed.
When you receive your next deposit, any negative balance is automatically repaid, so you don't have to worry about making manual payments. Plus, Chime doesn't charge any overdraft fees or interest. After repaying, you have the option to leave an optional tip, but it's completely up to you and won't affect your SpotMe eligibility or limit.
Chime keeps you updated with notifications when SpotMe covers a transaction or when your limit changes. You can also view and manage your SpotMe limit in the app, and even set a "Personal Max" limit if you want to keep your spending in check.