Updated & Verified: August 29, 2021
In 2020, consumers paid $12.4 billion in overdraft fees to banks. A staggering amount of money.
But also another reason why being a Chime member is so great.
Chime SpotMe is an optional feature that allows Chime members to overdraft their accounts without paying overdraft fees when making debit card purchases.
How does it work and who is eligible to use Chime SpotMe? Where can you use Chime SpotMe if you need it?
Don’t worry, we got you and we will cover those things and more below.
Table of Contents
- 1) How Does Chime SpotMe Work?
- 2) Who is Eligible for Chime SpotMe?
- 3) How Can I Get Chime SpotMe?
- 4) Can I Overdraft Chime Without SpotMe?
- 5) Where Does Chime SpotMe Work?
- 6) What is the Chime SpotMe Limit?
- 7) How Can I Increase My Chime SpotMe Limit?
- 8) How Long Does it Take to Increase My Chime SpotMe Limit?
- 9) Why is Chime SpotMe Not Working?
- Wrapping Up
1) How Does Chime SpotMe Work?
In general, Chime SpotMe is very easy to use and set up. If you have enrolled in Chime SpotMe and you use your debit card to make a purchase in excess of your available funds, Chime SpotMe will cover the difference up to your Chime SpotMe limit.
For most people, this limit is $20 to start out with but can be increased up to $200.
2) Who is Eligible for Chime SpotMe?
The only requirement to qualify to use Chime SpotMe is you need to have a qualifying direct deposit of at least $200 within the past month.
Qualifying direct deposits include payments from your employer or payroll provider, gig economy payer, or government benefit payer. These deposits must be made into your Spending Account with Chime.
Recomended Reading: Ever wonder what time direct deposits hit your Chime account? Check out our recent article where we answer questions about Chime deposits
3) How Can I Get Chime SpotMe?
Signing up for Chime SpotMe is a pretty simple and straightforward process.
If you’ve had a qualifying deposit within the last month, then you should see a message at the top of your Chime app inviting you to enroll in Chime SpotMe. If you do, click on the “Set Up SpotMe” button to enroll.
4) Can I Overdraft Chime Without SpotMe?
In general, you can’t overdraft your Chime account without using Chime SpotMe. Instead, if you have insufficient funds in your account, your transaction will be declined if you haven’t enrolled in Chime SpotMe.
5) Where Does Chime SpotMe Work?
If you are enrolled in Chime SpotMe, you may wonder exactly where you can actually use the service without issue.
Obviously, the last thing you want to do is be in a situation where you need Chime SpotMe and you can’t or in a precarious situation where you aren’t sure.
Does Chime SpotMe Work at a Gas Station?
Yes, Chime SpotMe works at a gas station. However, you can’t use Chime SpotMe at the gas pump to purchase fuel. Instead, you have to go inside the gas station to pay for any fuel that you purchase.
Recommended Reading: Have you ever wondered if you can use Facebook Pay with your Chime account?
Does Chime SpotMe Work With Apple Pay?
Yes, Chime SpotMe works with Apple Pay. To use Chime SpotMe with Apple Pay, you don’t really have to do anything different. You simply make your purchase using Apple Pay like normal, the only difference is if you don’t have adequate funds in your Chime account, you’ll utilize Chime SpotMe to make the purchase.
Does Chime SpotMe Work at an ATM?
Yes, Chime SpotMe works at an ATM to withdraw cash. You can withdraw up to $200 from an ATM using the Chime SpotMe feature.
Does Chime SpotMe Work for Uber?
Yes, you can use Chime SpotMe with Uber for getting a ride without issue as long as you don’t exceed your Chime SpotMe limit when making the purchase.
Does Chime SpotMe Work for Online Purchases?
In general, you should have no issue using Chime SpotMe when making an online purchase. You would simply make the purchase like you normally would with your Chime debit card, and if the amount exceeds your available balance, your Chime SpotMe balance will be used.
Does Chime SpotMe Work at Walmart?
Yes, Chime SpotMe works at Walmart to make purchases and also for withdrawing money. As a general rule of thumb, to use your Chime SpotMe at Walmart you would need to make your purchase at a self-checkout.
If you would like to withdraw money using your Chime SpotMe while at Walmart, you need to select that you want cash back at a self-checkout during the purchase process. As long as you don’t exceed your SpotMe limit, you should have no issues withdrawing cash.
Does Chime SpotMe Work to Buy Groceries?
Yes, Chime SpotMe should work when buying groceries. The only time it wouldn’t work is if your Chime SpotMe limit isn’t enough to cover the purchase.
6) What is the Chime SpotMe Limit?
The Chime SpotMe limit varies from one person to the next. Most people will start out with a limit of $20. That limit can gradually be increased to as much as $200.
7) How Can I Increase My Chime SpotMe Limit?
The only way you can increase your Chime SpotMe limit is to use your Chime account just like you normally would. Deposit money, spend money, do everything that you normally would do.
In time, your Chime SpotMe limit will increase.
Contacting Chime support and asking them to increase your Chime SpotMe limit will not work.
8) How Long Does it Take to Increase My Chime SpotMe Limit?
As a general rule of thumb, there is no way to know exactly how long it will take you to increase your Chime SpotMe limit. It depends on how frequently and responsibly you use your Chime account. The more frequently you use it, the faster your Chime SpotMe limit will increase.
9) Why is Chime SpotMe Not Working?
In most cases, the reason why your Chime SpotMe isn’t working is that you are trying to make a purchase that will exceed your Chime SpotMe limit, and consequently the transaction is being declined.
If you believe there may be something else going on causing ChimeSpot Me to not work, your best option is to contact Chime support to try to diagnose the problem.
How to Contact Chime Support
To contact Chime support, you can call them at 1-844-244-6363 or contact them from within the Chime app.
Using Chime SpotMe is an easy way to access additional funds in the unfortunate situation that your account balance is running low. It’s easy to set up and doesn’t cost anything to use and can be used for many different purchases including the ability to withdraw cash.