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. Than one day it just stopped working, so I reached out to chime support regarding this matter and the gist of the reply was something like, we no longer allow spotme to cover cash back withdraws at a stores register. 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. Show
Anyway here is a solution. Walmart offers these prepaid debit master card called Walmart Moneycard (not the gift card) which uses green dot for the back end banking. You can normally find these cards in the same section the gift cards and often at the check outline, you can purchase this card and load money on it using the funds available in spotme. You than register the card at https://secure2.walmartmoneycard.com/enroll/get-started and set a pin number so you can make an atm withdrawal using the Walmart card you funded with chime's spotme reserve. There are some small fee’s involved when you purchase the card and load it at the register; they charge $2 to load the card and atm withdraw's will run you $2.50, they will also send you a card in the mail with your name on . There is also a monthly $5 charge which seems rather high for this type of product but the card does have some extra benefits which you can read about here https://www.nerdwallet.com/blog/banking/walmart-moneycard-review/ So anyway this is a convoluted method to get cash from chimes spotme balance. I hope this is useful for some and if anyone has any other work around for this I’d very much like to hear them. Stay healthy everyone! tim
 SpotMe is Chime’s fee-free overdraft protection service which allows Chime users to spend more funds than they have available in their balance. The below article will answer frequently asked questions about how SpotMe works. Chime customers with a direct deposit should be automatically eligible for SpotMe. Eligibility can be verified by going into the Chime app and looking under Settings. If you have never used SpotMe before, you may need to activate the service by agreeing to the SpotMe Terms and Conditions. Your maximum SpotMe limit will start at $20 but may grow to $200 over time. Then you just spend like normal. If you happen to spend more than your balance, then the SpotMe balance will cover it. Of course, if you try to spend more than your SpotMe balance, then the purchase will likely be declined. You pay back your SpotMe balance simply by depositing more money into your account. 2. How to Use Chime SpotMe?Once SpotMe has been activated, there is nothing special you need to do to use SpotMe. Just spend like normal. If you happen to spend more than your balance, then the SpotMe balance will cover it. SpotMe covers debit card purchases, cash-back transactions, and ATM withdrawals. 3. What Qualifications Does Chime SpotMe Have?To be eligible for SpotMe, you need to have at least one direct deposit of $200 or more coming into your account. The SpotMe limit starts at $20. Chime will increase your SpotMe limit over time based on how much money is direct deposited into your account each month and your account history. 4. What are the Important Chime SpotMe Rules?If you are a Chime customer, it is important to remember that SpotMe cannot be used for direct debits (like paying a bill via ACH), transfers to apps like Venmo/Cash App/PayPal, Pay Friends transfers, and Chime Checkbook transactions. Also, your SpotMe maximum is set by the Chime computers and cannot be modified by Chime employees. 5. Can you Withdraw Money from Chime SpotMe?Yes, SpotMe works with ATM withdrawals and cash-back transactions. This means you can make a cash withdraw of your balance plus your SpotMe limit. 6. How to Get Cash from Chime SpotMe?You can withdraw cash from your Chime and SpotMe balance simply by visiting an ATM. You can also ask a retailer to give you cashback while making a purchase. 7. What can you Use Chime SpotMe for?SpotMe covers debit card purchases, cash-back transactions, and ATM withdrawals. It cannot be used for direct debits (like paying a bill via ACH), transfers to apps like Venmo/Cash App/PayPal, Pay Friends transfers, and Chime Checkbook transactions. 8. Does Chime SpotMe Work with Apple PayYes, SpotMe works any place that the Chime debit card works. If you go over your balance while purchasing with Apple Pay, then SpotMe will indeed cover the overage. 9. Can I get Gas with Chime SpotMe?Yes, SpotMe works any place that the Chime debit card works, including at the gas pump. 10. Will Chime SpotMe Work at Walmart?Yes, SpotMe works any place that the Chime debit card works, including making purchases and cashback withdraws at a Walmart. 11. Does Chime SpotMe do Cashback at Walgreens?Yes, SpotMe works any place that the Chime debit card works. You can make purchases and get cash back at Walgreens. 12. Will Chime SpotMe Work for Doordash?Yes, SpotMe works any place that the Chime debit card works, including purchasing food via Doordash. 13. Does Chime SpotMe Work on Cash App?No, SpotMe funds cannot be transferred over to apps like Venmo/Cash App/PayPal. You can use your regular Chime balance to fund these accounts, but you cannot borrow funds from your SpotMe balance. 14. Does Chime SpotMe Work on PayPal?No, SpotMe funds cannot be transferred over to apps like Venmo/Cash App/PayPal. You can use your regular Chime balance to fund these accounts, but you cannot borrow funds from your SpotMe balance. 15. Does Chime SpotMe Work at ATMs?Yes, SpotMe works with ATM withdrawals and cash-back transactions. This means you can make a cash withdraw of your balance plus your SpotMe limit. 16. What is the Chime SpotMe Limit?Customers without a direct deposit coming into their account will have a SpotMe limit of zero, as they are not eligible for the service. Qualified customers can have a SpotMe limit ranging from $20 to $200. Chime will increase your SpotMe limit over time based on how much money is direct deposited into your account each month and your account history. The limit is set and changed automatically by Chime computers and cannot be overridden by company employees. 17. Can the Chime SpotMe Limit be More than $20?Yes, $20 is the starting limit for customers that qualify for SpotMe. The maximum limit is $200. Chime will increase your SpotMe limit over time based on how much money is direct deposited into your account each month and your account history. The limit is set and changed automatically by Chime computers and cannot be overridden by company employees. 18. How to Increase the Chime SpotMe Limit?Chime will increase your SpotMe limit over time based on how much money is direct deposited into your account each month and your account history. The limit is set and changed automatically by Chime computers and cannot be overridden by company employees. 19. Can you Overdraft Chime without SpotMe?No. If you are not enrolled in SpotMe, Chime will not cover overlimits and your purchase will be declined. 20. Why did Chime Lower my SpotMe Limit?The Chime computers automatically raise and lower your SpotMe limit based on a risk-based algorithm. One common reason for having your SpotMe lowered is that the direct deposits into your account have decreased. Perhaps you used to direct deposit $1,000 each month but now only receive $500. The limit is set and changed automatically by Chime computers and cannot be overridden by company employees. 21. Why is Chime SpotMe not Working?If SpotMe is not covering your Overdrafts and causing declined transactions, make sure you are still eligible for SpotMe by going into the Chime App and choosing Settings. If you have stopped receiving direct deposits into your Chime account, then you may have lost access to SpotMe. Also in the App Settings, verify your SpotMe dollar limit. Perhaps Chime has lowered your limit. Make sure your total purchase is not greater than your balance plus the SpotMe limit. Finally, make sure you are only trying to use SpotMe on qualified transactions. SpotMe covers debit card purchases, cash-back transactions, and ATM withdrawals. SpotMe cannot be used for direct debits (like paying a bill via ACH), transfers to apps like Venmo/Cash App/PayPal, Pay Friends transfers, and Chime Checkbook transactions. Related: Does Chime Work with Zelle? Related: When Does Chime Direct Deposits Occur? Can I get cash back with my Chime spot me?SpotMe at ATMs
You can also withdraw cash using SpotMe—Chime's fee-free overdraft feature that lets you overdraft up to $2002 with your debit card. Eligibility requirements and limits apply.
Can spot me be used at ATM?You can use SpotMe for: Debit card purchases. Cash-back transactions. ATM withdrawals.
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Can i use chime spot me for cash back
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