To qualify for SpotMe, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month. Both SpotMe on Credit and SpotMe on Debit are sometimes collectively referred to as 'SpotMe' or, if you have signed up to use SpotMe with only one account, 'SpotMe' means the elected service. SpotMe on Debit is an optional, no fee overdraft service attached to the Chime Checking Account available to qualifying members after Visa debit card activation. 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 a qualifying direct deposit are not qualifying direct deposits.ģ SpotMe ® on Credit is an optional, no interest / no fee overdraft line of credit tied to the Secured Deposit Account available to qualifying members with an active Chime Credit Builder Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Please review the privacy policies and security indicators displayed on the external website before providing any personal.ġ Early access to direct deposit tax refund depends on the timing of the submission of the tax payment file from the government payer.Ģ To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The privacy policies of the external website may differ from our privacy policies. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.īy clicking on some of the links above, you will leave the Chime website and be directed to an external website. While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. Please see back of your Card for its issuing bank. and may be used everywhere Visa credit cards are accepted.

The Chime Visa® Credit Builder Card and the Chime Visa® Cash Rewards Card are issued by Stride Bank pursuant to a license from Visa U.S.A. and may be used everywhere Visa debit cards are accepted. or Stride Bank pursuant to a license from Visa U.S.A. The Chime Visa® Debit Card is issued by The Bancorp Bank, N.A. Banking services provided by The Bancorp Bank, N.A.

Chime delayed direct deposit