Your limit may change at any time, at Chime's discretion. You will receive notice of any changes to your limit. Your limit will be displayed to you within the Chime mobile app. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member's Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. **Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each month. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. *Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer.
Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A. Chime is a financial technology company, not a bank.
