How To Use SpotMe® | Chime

Follow us on social:

Banking services and debit card provided by The Bancorp Bank or Stride Bank, N.A.; Members FDIC.
Eligibility requirements and overdraft limits apply. See Meet SpotMe. In order for the referring Chime member (“Referrer”) to qualify and receive the $100.00 referral reward and $10.00 temporary SpotMe Bonus Limit increase, and for the referred person (“Referred”) to qualify and receive the $100.00 referral reward, all of the following conditions must be satisfied: (1) Referrer meets SpotMe eligibility requirements and is part of the SpotMe Referral Incentive referral reward campaign; (2) Referred has not previously opened a Chime Checking Account (“Account”); (3) Referred opened a new Account between January 1, 2022 and December 31, 2022; (4) Referred opened the new Account using the Referrer’s unique referral link; (5) Referred received in the new Account a Qualifying Direct Deposit within 45 calendar days of opening the Account; and 6) Referred activated their physical Chime Visa Debit Card within 14 days of receiving a Qualifying Direct Deposit. A Qualifying Direct Deposit is a deposit of $200.00 or more by Automated Clearing House (“ACH”) that comes from your employer, payroll provider, gig economy payer, or benefits payer OR a deposit by Original Credit Transaction (OCT) from your gig economy payer. Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be legitimate are not Qualifying Direct Deposits. Members will not be enrolled in SpotMe automatically. Members must qualify for SpotMe and enroll manually through the Chime App in order to receive the temporary SpotMe Bonus Limit increase referral reward. Members may earn no more than $50.00 in SpotMe Bonus Limit referral increase and may earn no more than $1,000.00 in monetary referral rewards per calendar year (January 1, 2022 - December 31, 2022 and January 1, 2023 – December 31, 2023). No member’s SpotMe limit may exceed $200. Any earned SpotMe increases from this referral reward in the Member’s bonus queue (“Bonus Queue”) not yet added to the Member’s SpotMe limit (due to the promotional limit cap) will be added to the Member’s SpotMe limit on a rolling basis as the previously added SpotMe increases from this referral reward expire. Once the temporary SpotMe bonus limit ends, Members may no longer earn SpotMe increases on this referral reward, however the earned SpotMe bonuses in the Member’s Bonus Queue will not be lost. Any Referrer SpotMe Bonus limit increase referral reward will expire 184 calendar days from the Referred receiving a Qualifying Direct Deposit. If an eligible Referrer loses Bonus Limit eligibility, and the Referred completes the above conditions, the Referrer will receive the $10 temporary SpotMe limit increase referral reward only upon regaining Bonus Limit eligibility. Referral rewards will generally be provided within two (2) business days after all the above conditions are met. The Referrer’s account must be in good standing in order to receive the referral reward. Referred individuals acknowledge that payment of any referral reward may result in the Referrer’s knowledge of the Referred’s establishment of a new Account or enrollment in a product. Chime reserves the right to cancel or modify the terms of any referral reward offer or terminate a member's eligibility at any time with or without prior notice. Credits of $10 or more will be reported on tax form 1099-INT for new members (Referred). Credits of $600 or more will be reported on tax form 1099-MISC for referring Chime members (Referrers). Banking services are provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC.

[Brispluggz]

So cool, I don’t get paid until tomorrow, But need food for my lunch Break. I love chime,

[tgsrgof]

how do I go to the ATM and get my spot me off to have it dispersed to me not into the account but to me

[mqjysyn]

When you use spot me does it also put a minus in your checking account

[MississippiGirl]

What is the $20 BASE below the spot me ???

[Adammedias]

Does it work with Apple Pay at restaurants?

[TheRichmondFamily]

My spot me is only $5 but my balance is $0 can i still use it

[wolfryan]

So does the $25 dollar spot me work if u have only 32 cents

[wbtwin]

If you have a government direct deposit $804 per month and you have been using the platform for about a year I can receive up to $40 spot me per month. Now, I could possibly receive a $200 spot me, from Chime, but it is not likely. I recieved '$20 spot me at first, and was raised to $30 and on to $40 fairly quick, but even with a $804 Social Security Disability Insurance direct deposit every month I don't think it is to likely that I could ever be up to a $200 spot me.

[why]

Don't do it
I was robbed $400 from my account while I was at work and had my card on me and chime says there's no problem with that. So if you like your money definitely don't bank with chime

[tgsrgof]

how can I use spot me and send it to my savings from my phone

[critter]

I find it insulting that I had more money into my account and chime still fucking hasn't even updated spotme so much bullshit

[FihLip]

So does the $20 spot me only work if you have no money on your card and you went to buy something like gas

[Theawakenedone]

What about the $50 spot me they allow you to get without your direct deposit??? Why isn’t there any information on that.

[derricasmith]

Does my $25 spot me work if I have 10 as a balance??? Like can I make a withdrawal

[nightthunderadventures]

I hate your bank so so so much and regret every person I’ve ever referred to Chime! DO NOT BANK WITH THEM!!!

[itsyaboimicah]

can i use spotme with 0 dollars in my account

[ericaclark]

Someine sent me a boost from spot me for 5 dollars. Can i use that 5 for food at a convenience store even though i have 1 cent in my checking

[ApolloBlack]

I'm new to chime let's boost ?

[elguerro]

I’ll boost I got 4 of them let boost for boost