How do you get $100 SpotMe limit on Chime : Ultimate Guide

Published September 13, 2021 · · Updated July 13, 2024 · 3 minutes · by Kamerpower ·

How do you get $100 SpotMe limit on Chime and How do I increase my SpotMe limit with chime? Ultimate Guide To Chime Spotme Overdraft Alternative.

The only way you can get to $100 SpotMe limit on Chime is to get direct deposits (each worth more than $500) consistently. This direct deposit history will be checked by the Chime support in order to determine your SpotMe limit. So, once you are eligible for the maximum limit i.e. $100, you will be able to set the limit in your Chime app.

If your payroll provider already pay you via direct deposit and the amount that gets deposited is higher than $500/month then, probably you should be eligible for the SpotMe overdraft service. The minimum SpotMe limit anyone will get is $20 and the maximum amount is $100 and interestingly, there is no fee.

You can check if you are eligible for a SpotMe limit of $100 by going to the Settings section of your Chime mobile banking app and then, go to the SpotMe section to set your new limit. Only eligible Chime members will be able to change their overdraft limit using the app. So, it’s highly important that you receive good amounts via direct deposit each and every month.

How do you get $100 SpotMe limit on Chime?

To increase your Chime SpotMe limit

Launch the Chime app.
Tap on the Settings option.
Go to SpotMe section
Tap on the SpotMe limit.
Set your new limit.

To be a qualified member for the chime $100 spot me limit your going to want deposits going into your account of $500 or better each month or each deposit. And always show some generosity back by leaving chime a tip whenever given the option.

What is the maximum amount I can overdraw using the Chime SpotMe program?

Like we mentioned earlier, a direct deposit of $500 gives you access to a chargeless overdraft of $20 on debit card purchases. Likewise, at the discretion of Chime, you can also receive an overdraft of up to $100 or more from the Chime SpotMe program.

However, your Chime Account history, direct deposit history and amount, spending activities, and other risk-related factors will be thoroughly scrutinized.

Who are those Eligible for the Chime SpotMe Program?

To qualify to overdraw from your Chime account with no service fee, you need to receive a $500 direct deposit 31 days preceding the day of the drawing. Then, you’ll be able to overdraw up to $20 on debit card purchases.