Chime, SpotMe’s no-fee overdrawing service, works seamlessly with the iOS payment app Apple Pay. You can add your existing or new Chime debit card to the Apple Pay wallet and use it when making a purchase. ..

Is Chime SpotMe Compatible with Apple Pay?

Chime is an American finance company that lets its eligible customers overdraw from their Chime account up to a $200 fee-free. So, naturally, this Chime SpotMe service is favored by many over traditional bank accounts.

SpotMe is a great tool for different transactions like purchases through debit cards, ATM withdrawals, over-the-counter(OTC) transfers, etc. You can use it to overdraw and pay with Apple Pay by adding your Chime debit card to your Apple Wallet and requesting an overdraw.

If you have had a direct deposit of $200 or more from your employer through Automated Clearing House (ACH) within 34 days of opening SpotMe, you are eligible for a SpotMe base overdraft limit of $20. This limit can increase up to $200.

How To Add a Chime Card To Apple Pay Wallet?

  1. Open your Apple Pay wallet and sign in with your Chime debit card.
  2. Click on the “Add to Wallet” button and enter the information for your Chime debit card.
  3. Click on the “Create Wallet” button and finish filling out the information for your new Chime debit card.
  4. Click on the “Save” button to add your new Chime debit card to your Apple Pay wallet.

Open the Apple Wallet on your iOS device and find the “Wallet” tab.

To add a new contact, tap on the + sign near the upper right corner. ..

To use the iSight camera, hold your device over the card and wait for a few seconds to complete the scanning. ..

Confirm the link to your Chime financial service.

Add a card to your account.

Chime SpotMe is now available through Apple Wallet, so you can easily pay for your purchases with just a tap. ..

How Does SpotMe Work During Payment?

  1. Open Apple Pay on your iPhone or iPad
  2. Type in your credit card information
  3. Click on the “Pay with Apple Pay” button
  4. Enter your payment information and click on the “Pay” button

SpotMe is a great way to purchase items from your Chime app. To enable it, just select the item you want to purchase and open your Apple wallet from your device. Then authenticate yourself with either password or ID. You can also choose Chime from the payment options. Once you’ve completed your purchase, hold your device near the POS machine and wait for the confirmation sound.

If you have a lower credit balance on your Chime account than the cost of the purchase, Chime SpotMe will cover the rest. The money will be credited to the merchant and your Chime balance will be negative.

Apple Pay is a new payment system that allows users to transfer money between their Apple devices and their bank accounts. To use Apple Pay, you must first create an Apple ID and sign in to your account. Then, you can use your Apple device to pay for items using your bank account information.

If you want to increase your SpotMe balance, or not use SpotMe, you can transfer money from another account to Chime using Apply Pay. It is fast, simple, and secure. ..

There are two methods of fund transfer. Standard Bank transfer, where the money will be deposited to Chime’s associated banks Stride Bank, and Bancorp Bank. This process can take 1-3 business days. First, open your Apple Wallet. Then, tap on the Apple Cash card. Select the ‘Transfer to Bank’ option. Finally, enter the amount and confirm with a passcode or ID. The first method is through Apple Wallet which takes 1-3 business days for the money to be deposited into Chime’s associated banks Stride Bank and Bancorp Bank. The second method is through Apple Cash card which takes 1-3 business days for the money to be deposited into Chime’s associated banks Stride Bank and Bancorp Bank ..

The Instant Transfer method is a faster way to move money between your Apple account and a chime debit card. First, follow the steps up to selecting an Apple cash card. Then select chime debit card as a transfer location. Then, click on ‘Instant Transfer’ after selecting the transfer amount. ..

Conclusion

Chime SpotMe is a great way to keep your money safe and easy. With its convenient payment options, it’s easy to stay organized and worry-free when shopping for groceries or other items. Plus, Chime’s user-friendly interface makes it easy to get started with your account. So if you have a regular deposit in your account, you don’t need to worry about accidental overspending!

You can increase your overdraft limit up to $200 if you have a regular direct deposit to your account. It also depends on your spending, account history, etc. If you have an overdraft, you can use the money to cover any outstanding bills or withdraw it from your account.

The Chime SpotMe service does not allow you to make recurring automated payments from your Chime Checking Account like bill payment of Netflix Subscription.

Chime is now accepting international transactions with the Chime SpotMe app. This means you can use your Chime card to make purchases directly or through mobile payments like Apple Pay. ..

Chime SpotMe overdraft limit can increase or decrease based on your account’s history, Chime bonuses, and Chime Boosts you may have received from Chime members. While the limit may decrease if offers expire or if your account does not meet eligibility criteria. ..