How to get started with SpotMe.

  1. Open the Settings tab in your Chime app to find out if you’re eligible for the SpotMe feature (make sure you have the latest version of the app).
  2. Once you agree to the SpotMe Terms and Conditions, you are officially enrolled in SpotMe!
  3. When you’re enrolled in SpotMe, you will be able to make debit card purchases that overdraft your account up to $100*.
  4. When we receive your next deposit, we will automatically apply it to your negative balance. No overdraft fees are applied. Ever.

Please Note: SpotMe only covers debit card purchases. SpotMe does not cover ATM withdrawals, Pay Friends transfers, ACH transfers (including direct debits), or Chime Checkbook transactions.

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