What happens if you try to overdraw your account by more than your limit? While Chime Member Services can’t manually change your limit, we do occasionally offer referral promotions that allow you to increase your SpotMe limit - so be on the lookout for those. That limit will be between $20 and $200, and will be based on a variety of factors, such as your account history and activity. The next time you make a debit card purchase or cash withdrawal that exceeds your balance, we’ll spot you up to your limit. Once you agree to the terms and conditions, you’re in! If you’re eligible for SpotMe (which means you have activated their Chime debit card and received at least a $200 qualifying direct deposit in the last month), you’ll see a button inviting you to sign up. If you’re ready to hop aboard the SpotMe train, make sure you have the latest version of the Chime app, then scroll down your Home feed or over to Settings.
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