Data as of Jul 25, 2026 · Based on 2,718,867 AI responses across 9,511 prompts · See how Parse measures this
Chime SpotMechime.comChime's SpotMe is a fee-free overdraft feature that covers debit and credit card transactions and cash withdrawals up to $200 for eligible members when they exceed their account balance. The limit can be increased by SpotMe Boosts, which friends or family can send to extend a member's available overdraft by $5 increments, and enrollment is unlocked by activating direct deposit. There are no overdraft fees or interest, and Chime applies the next direct deposit to the negative balance.
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