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.
You must have a Chime Checking Account to open a Chime Savings Account.Ģ 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 at least once every 34 days. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. 1 There’s no fee for the Chime Savings Account.
