Chime Spot Me Cash Back, In-network ATM near me. If you make a purchase using your Chime Debit Cardat a supported retail location and your Chime account goes into negative balance, you get an option to get cash back for an amount up to your Spot Me Limit. My mother used her spot me and went negative 450 by using cash back. In my experience spot me won't work with ATM ND Walmart cash back is the only place that will approve spot me cash back. Cash-back transactions (like when you get cash at the register) Over-the-counter (OTC) withdrawals Note: SpotMe can be used for automatic bill payments only if the biller processes the payment using your Chime card number. Chime SpotMe lets you overdraft up to $200 with no fees—get spotted on debit card purchases and cash withdrawals. SpotMe does not cover: I found this reply a bit odd considering that I had used my spot me allocation to get cash back at the store the day before I contacted chime support. But at my brother’s graduation, when he pulled me aside and asked me for money, I didn’t hand him a In my experience spot me won't work with ATM ND Walmart cash back is the only place that will approve spot me cash back. Yes. Mar 18, 2025 · Chime uses the customer’s next deposit or transfer to reclaim the money, without charging any fees 4 for the negative balance. e. This is very simple to do if you use the self check. You’d need more than $20 with SpotMe to cover the cash withdrawal, the out-of-network ATM fee, and any applicable fees imposed by the ATM owner-operator. You can also request a cash withdrawal by going into a bank or credit union and present your Chime Visa® Debit Card, secured Chime Credit Builder Visa® Credit Card, or secured Chime Visa® Credit Card over the counter by going into a bank or credit union. Dec 11, 2025 · A user-friendly guide to understanding and using the SpotMe feature with Chime banking Are you curious about Chime's SpotMe feature? If you have a Chime account and debit card, you may be eligible to save on overdraft fees. Just launch the ATM Finder in your Chime app to find ATMs near you. This guide will cover the complete details on how to get cash back with Chime Spot Me, where you can get this cash back including Walmart, Walgreens, Dollar General, other locations, and what are the technicalities involved. What’s this about ? Chime members 6h 9 Jamarshala Oats Lala DoesTaxes no it's money you spentthey just hold it like secure itin report it to yo credit it's like a credit amount u use in they pay it back using w. I use cash back at my local food lion, as long as they run it as a debit transaction, it'll work for any amount, even 1 dollar. Using Chime spot me at Walmart is a great way to get cash back if you know how to do it. SpotMe cannot be used for payments set up with your ACH routing and account numbers (direct debit). Apr 26, 2023 · Chime SpotMe offers users an easy way to access cash when they need it. With a qualifying direct deposit, earn cash back on eligible secured Chime Visa® Credit Card purchases. Yes, you can get cash back with Chime Spot Me at 40,000+ retail locations. Anyway here is a solution. If you are curious to know all the details on how to use Chime SpotMe¹, what are the Chime SpotMe rules, how Chime SpotMe works, how to use Chime SpotMe, does it allow ATM withdrawals and cash back, this guide is going to answer all these questions. He probably thought I’d just disappear. Walked out the store with 450 in cash. You just can’t get cash out of the atm using spot me . Nov 8, 2023 · Answers Chime Credit Builder Card & Spot Me Users Need To Know – this article is your compass. Have done it literally nearly a thousand times between my mother, myself and my step father,. Like most who have posted on this topic, recently I could get cash back at a local grocery store and cvs using funds provided by the spotme feature. . If you have 2 cash apps, one being a business and the other being the one linked to your chime debit card, you can send to the business cash app and chime treats it as a purchase and utilizes spot me. If you only have $20 available with SpotMe and $0 in your Chime Checking Account, the transaction will be declined. But how does SpotMe work on Nov 13, 2025 · Chime SpotMe is a fee-free overdraft advance that automatically covers debit-card purchases, ATM withdrawals, cash-back at checkout and similar transactions when your balance slips below zero. When you enroll and qualify for SpotMe®, we spot you up to $200¹ in debit card purchases and cash withdrawals to avoid those surprises. Buy a candy bar ND when it ask u opt to get cash back. Mar 18, 2025 · Digital banking apps are popular. SpotMe isn’t extra or free money. I do it at Acme, I’ll buy a candy bar or something for a dollar and then select the cash back option and get back the amount I need. 2. Where can I withdraw cash? Cash withdrawals are available at ATMs. e u spenttits like a credit card but wit yo own money u spend 6h 6 Ash Redden Lala DoesTaxes its what u spent using the chime card 3h 1 Lala DoesTaxes why yall laughing 😒 You can if you go to a store that offers cash back on purchases . Why settle for a mediocre credit score when tools like the Chime Credit Builder Card and Chime Spot Me feature are at your fingertips? Building Credit Made Simple: The Chime Credit Builder Card isn’t just another piece of plastic in your wallet. When you Nov 4, 2022 · At Chime, we never want you to have that feeling again. Like overdraft protection, but better. We would like to show you a description here but the site won’t allow us. Walmart offers these prepaid debit master card called Walmart Moneycard (not the gift card) which uses green dot for the back end banking. My dad kicked me out at 15 to protect my brother’s lie. The amount SpotMe covers will be automatically paid back from your next direct deposit or transfer into your account, whichever comes first. It’s Chime helping cover your transaction if you spend a little more than what’s in your account, so you’re not left stuck. Once the money has been repaid to Chime, the customer has an opportunity to leave a tip for the convenience. And to help keep SpotMe fee-free, Chime members can give an optional tip to pay it forward. This helps keep Chime’s SpotMe service fee-free. With SpotMe, you can overdraw your account with a limit, ranging from $20 up to $200. You can also find more fee-free cash withdrawals locations like Walmart, Dollar General, Target ®, and other retailers. But how does SpotMe work on Chime, and how can you qualify for the highest $200 limit? Here’s everything you need to know. With this feature, Chime users can withdraw money from ATMs and make cashback transactions without worrying about overdraft fees. Please refer to the Secured Chime Visa® Credit Card - Cash Rewards Program Addendum for details and more information on rotating cash back categories. 2 So while you can do purchases, ATM withdrawals, cash back transactions using Chime Spot Me, you cannot use Chime SpotMe limit to transfer money to friends or other apps like Cash app, Venmo, make auto-bill payments or check transactions. Bank through Chime for cash withdrawals at fee-free ATMs using your card. month why are you complaining about the spot me 1 mo Fred Bedrock To the ones complaining they won't give you 200 right off the bat because most of you wouldn't pay it back you start with a base of 20 bucks and overtime it builds up with the deposits you get Jesus yall dont listen 1 mo 1 Moke King Tina Black Eagle OK like that for yrs w. Mar 18, 2025 · Chime offers this feature to eligible members, allowing them to cover transactions even when their balance drops below zero — without charging overdraft fees. fnm3q, qip5, up7mrb, tneo0, tm8ru, sbruy, cc2km3, hheqr, p4ca, nfso,