How Chime SpotMe Works (And How to Get a Higher Limit) [2025 Guide]

How Chime SpotMe Works (And How to Get a Higher Limit) [2025 Guide]

Overdraft fees are the worst — but with Chime SpotMe, you can avoid them completely. If you’re wondering how it really works and how you can qualify for a higher limit, here’s what you need to know.

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What is Chime SpotMe?

Chime SpotMe is a feature that lets you overdraft your checking account up to a certain limit without charging any fees. Instead of declining a purchase, Chime covers it — and automatically repays itself when you make your next deposit.
👉 Learn more directly from Chime.

How to Qualify for Chime SpotMe

To get SpotMe:

• You must have a Chime Spending Account.
• You need to receive at least $200 in qualifying direct deposits every month.

Once enrolled, Chime automatically enrolls you in SpotMe — no credit checks needed.

How Much Can You Overdraft?

When you first start, the SpotMe limit is usually $20. Over time, with consistent deposits and account activity, Chime can raise your limit to up to $200.

How to Get a Higher Chime SpotMe Limit

1. Set Up Direct Deposit
   Make sure your paycheck or government benefits go straight into your Chime account.
2. Deposit More Consistently
   Higher and more frequent deposits can lead to a higher SpotMe limit over time.
3. Use Your Chime Card Regularly
   Show that you’re an active user by using your Chime debit card for everyday purchases.
4. Keep a Positive Account History
   Avoid multiple overdrafts or negative balances for long periods.
5. Check for Updates
   Chime periodically reviews your account to raise limits automatically — no requests needed.

What Can You Use SpotMe For?

SpotMe covers:

• Debit card purchases
• Cash withdrawals at ATMs

It won’t cover ACH transfers, Pay Friends payments, or Chime Checkbook transactions.

Final Thoughts

Chime SpotMe is a great tool to avoid unexpected overdraft fees — and with a little consistent account activity, you could qualify for a much higher limit over time.

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