Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member's direct deposit enrollment status.įDIC deposit insurance limit to $250,000 per depositor, per insured bank, per ownership category. Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Friends transfers, or Chime Checkbook transactions. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. 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. 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.Ĭhime 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. Cash deposit fees may apply if using a retailer other than Walgreens.Ĭhime Checking Account is required to be eligible for a Savings Account.Įarly access to direct deposit funds depends on the timing of the submission of the payment file from the payer. The retailer that receives you cash will be responsible for transferring the funds for deposit into you Chime Checking Account. ![]() and may be used everywhere Visa cards are accepted. Banking services and debit card provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Chime is a financial technology company, not a bank.
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