Although Chime does not charge any overdraft fees for SpotMe, there may be out-of-network or third-party fees associated with ATM transactions. The SpotMe limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Qualifying members will be allowed to overdraw their Chime Checking Account and/or Secured Deposit Account (associated with your Chime Credit Builder credit card) up to $20, but may be later eligible for a higher limit of up to $200 or more based on Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. To qualify for SpotMe, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month. Both SpotMe on Credit and SpotMe on Debit are sometimes collectively referred to as 'SpotMe' or, if you have signed up to use SpotMe with only one account, 'SpotMe' means the elected service. SpotMe on Debit is an optional, no fee overdraft service attached to the Chime Checking Account available to qualifying members after Visa debit card activation.

We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.Ģ SpotMe ® on Credit is an optional, no interest / no fee overdraft line of credit tied to the Secured Deposit Account available to qualifying members with an active Chime Credit Builder Account. Please review the privacy policies and security indicators displayed on the external website before providing any personal.ġ Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. The privacy policies of the external website may differ from our privacy policies. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.īy clicking on some of the links above, you will leave the Chime website and be directed to an external website. While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. Please see back of your Card for its issuing bank. and may be used everywhere Visa credit cards are accepted. The Chime Visa® Credit Builder Card and the Chime Visa® Cash Rewards Card are issued by Stride Bank pursuant to a license from Visa U.S.A. and may be used everywhere Visa debit cards are accepted. or Stride Bank pursuant to a license from Visa U.S.A. The Chime Visa® Debit Card is issued by The Bancorp Bank, N.A.

Banking services provided by The Bancorp Bank, N.A.

Chime card direct deposit