Blog Post


Chime Spotme: Your Go-To Guide To Chime Spot Me

  • Posted By admin
  • 28 Apr, 2022

Chime Spotme is a free overdraft feature

If you are wondering what kind of factors can increase the Chime Spotme limit, you have come to the right place. Certainly, there are ways available with the help of which one can increase the Chime Spotme limit with ease of mind. In fact, if you follow the steps mentioned in this article, you can unlock the Spotme feature as well. But, before that let’s first understand what Chime Spotme means.

What is Spot me on Chime? 

Simply put. Chime Spotme can be best described as an overdraft feature. It means you can do more with your Chime payment app. Apart from sending, receiving, and storing money; you can borrow money in just a few simple steps.

Now some of you might like to ask – how much can I borrow from Chime? Well, there is no fixed answer to this question. The limit of overdraft balance or you can say Spotme limit on Chime depends upon the fact that how frequently you use Chime to make payments. Most importantly, how much balance you maintain is one of the most important determining factors in deciding the limit of your Spotme feature on Chime.   

The best part of the Chime Spotme overdraft feature is the fact that it is free for every eligible user. It further means that, in sharp contrast to the banks, Chime doesn’t apply the fee to overdraft the Chime account. The prominence of this feature could be gauged from the fact that most banks charge a fee from $5 to $40 to overdraft a bank balance. But, this is not the case with the Chime Spotme feature. It is free on Chime.

Read Also: Chime Routing Number      

How does Chime Spot me work? 

Whenever I advise people that Chime Spotme is the best overdraft feature, I get this question. How does Chime Spotme work? Well, its working procedure is pretty simple. If spotme feature is visible to you on your Chime account then you certainly can use it and borrow money in just one tap. Just to make sure no doubt is left in your mind about Chime Spot me feature, let’s understand it with an example.

Imagine you are at a store and buying something. And when it comes to making the final payment, you find that your Chime card balance is $40 but the price of the product is $65. Now, what to do? Will you cancel your order? No. You don’t need to cancel your purchase. Chime Spotme is available for your satisfaction.

All you need to do is just tap the Spotme tab and Chime will make the rest of the payment. In this example, Chime will make the payment of $25. And next time when you add a balance to your Chime account or receive a direct deposit, Chime will deduct the dues automatically and adjust your balance automatically.   

How to use spot me on Chime? 

The idea of using spotme on Chime can really be a good idea. But, in order to do so, it is important to have an activated Chime card. Apart from having an activated Chime card, make sure that you receive at least $200 in a month as a direct deposit to your Chime account. If you meet these two conditions, you will be ready to use the Chime spotme feature. There is one more thing to remember is that one can borrow money on Chime only if the payment is done using a Chime card. You can find out the Chime Spotme option in the settings tab of your Chime payment app.    

How to increase Chime Spot me limit?

Be informed that, Chime lets the users to overdraft balances up to $200 (maximum). But, you don’t need to worry if Chime is not allowing you to borrow to the maximum limit. Why? Because there are a few simple ways with the help of which you can increase the Chime overdraft limit such as mentioned below:

  • So, as a first step, make sure your Chime app is the latest and updated.
  • Always try to use the Chime payment app as much as possible to send, receive, and store money.
  • Don’t forget that having an activated Chime card is important for the Chime Spotme feature. So, consider activating your Chime card before everything else.
  • Last but not the least, make sure that you always clear the due balance and maintain your balance in good standing.

Note: Chime Spotme feature is free, there is no doubt, but any delay in paying back or clearing dues can bring you penalties and fines. For more information dial the Chime phone number. 


Add your comment:

Your email address will not be published. Required fields are marked *

Back To Blogs