Sign in to the Chime app on your mobile device.Here is a step-by-step process on how to enable and use the SpotMe feature: The overdraft feature can be used for debit card transactions, including in-store and online purchases, ATM cash withdrawals, and cashback transactions. However, it is important to note that not all transactions are covered by SpotMe. Once eligible, the user can enable the SpotMe feature through the Chime app. To become eligible for SpotMe, a Chime user must meet certain requirements, such as receiving a minimum of $500 in direct deposits per month. You can overdraw between $20 to $200 depending on your Chime limit. This is an optional feature on Chime that lets users spend more funds than what is available in their account balance. You can access Chime’s overdraft services by using SpotMe.
This guide should answer your questions on how to overdraft on Chime. This allows qualified users to overdraw money from their accounts without incurring extra fees. Chime offers overdraft services via its SpotMe feature.
