What is spot me on chime?

Spot Me is a feature offered by the banking app Chime that allows users to overdraft their account by up to $20 without incurring any fees. It is a convenient way for users to cover a purchase or transaction when they do not have enough funds in their account.

To be eligible for Spot Me, users must have a Chime spending account in good standing, receive direct deposits of at least $500 per month, and have a history of regular spending activity with their Chime account.

Once enrolled in Spot Me, users can use the feature to cover purchases or transactions that exceed their account balance, up to the $20 limit. The overdraft amount is automatically deducted from the user's account when their next direct deposit is received.

It is important to note that users must have a positive account balance before they can use Spot Me again. Additionally, users may be subject to account reviews and eligibility requirements may change over time.