Does Chime offer overdraft protection?

Chime does not offer overdraft protection, but we are looking into options for our direct deposit members. If you do not have sufficient funds in your Chime account, any attempted debit-card transaction is declined. The exceptions to this rule include the following:

  • If a merchant forces a transaction through
  • If you leave a tip at a restaurant or a salon that exceeds your account balance
  • if you go to a gas station and pay at the pump

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