Sound SpotMe overdraft defense testimonial <a href=""></a>. No charges or recommendations required to receive this exclusive on the web finance feature

Bottom line:SpotMe is actually a hassle-free option for folks that have already got a Chime levels. Primarily all the others, it isn't a relevant choice.


Kellye Guinan

Kellye Guinan are an experienced economic writer with more than 500 material under the woman region spanning things financing from automotive to personal to company and everything in between. With four a long time elsewhere and 5 years of study enjoy, she actually is able to make intricate personal loans judgements more relaxing for you to deal with. When this chick's not just about the knees discovering the new developments in lending, she spends the woman energy boosting her own financial literacy and competence — and having a Duolingo characteristic well over 1,300 nights.

Authority review

Existing sound individuals might discover SpotMe valuable when coming up with debit card acquisitions. There are not any charge — and tipping was suggested — so its handy in case your account regularly runs minimal. So long as you place a minimum of $500 within your levels each and every month, you get access to SpotMe. And because various cover enhance programs and overdraft programs do not implement Chime, its the best substitute for abstain from a transaction certainly not going right through.

But for folks that dont currently incorporate Chime, you might like to compare the other available choices to protect yourself from overdraft prices or borrow for an even bigger expenses.

Precisely why you can believe this evaluation

  • No rates or duty to point
  • Minimum monthly direct deposit demand
  • Simple join
  • Best addresses debit credit acquisitions
  • Limits begin $20
  • Is employed for Chime taking account
  • How sound SpotMe will work: prices, attributes and requirement

    SpotMe enables you to overdraft your sound membership when you buy something along with your debit cards. Limits begin $20, but levels records and standard stores permit you to improve your restrict to $200. But ATM distributions and ACH transfers typically meet the requirements.

  • Maximum departure. $200
  • Costs. Different suggestion
  • Recovery. Immediately applied to account
  • Attributes

    SpotMe belongs to sound's selection of deposit merchandise. Sound supplies examining account, protected cards and cost savings records — with programmed discounts — all without having hidden fees.


    To qualify for SpotMe, you will need to need a sound on the web Spending accounts that gets at least $500 per month in direct deposits. That's it. There are not any some other needs or eligibility values you need to see to start out.

    Their SpotMe limitation can increase over the years — perhaps $200 or longer. This will depend on the accounts background, strong stores and purchasing sports, among elements.

    How Chime SpotMe even compares to shell out advance applications

    Sound actually a spend enhance software, additionally it actually a regular overdraft software. Because it merely addresses debit cards investments made from a Chime levels, you are more set in the method that you incorporate SpotMe. But the majority of cover progress and overdraft software typically support Chime. This makes it an useful products if you go with Chime as your primary deposit program.

    Chime feedback and complaints

    Chime get blended ratings on its bbb (BBB) and Trustpilot webpages, and on the software Store and online Play. Many customers document problems with customer care and trouble disputing bogus expense, regularly saying these people weren't in the position to have actually every bill removed.

    Evaluations for SpotMe also are varying. Some people have zero factors and find it irresistible. But one says their SpotMe am closed after getting a smaller sized deposit than typical. All-around, they earns reasonable rankings for a bank.

    Try sound reliable?

    Yes, Chime are a legit on the web deposit program. Given that it just utilizes your sound bank-account details to offer you the means to access SpotMe, you'll not ought to signal into additional bank account or show extra information with Chime.

    As a general rule, sound happens to be a safe solution with a protected websites and app. Their online privacy policy also addresses precisely what information they collects, just how that details are utilized and you skill to counteract it from are contributed.

    SpotMe vs. pay day loans

    SpotMe and pay day loans highly different. SpotMe merely keeps you from overdrawing your money during the time you make a debit card acquisition — it is not a good option for addressing an unforeseen money. Cash loans include a high-cost, temporary selection that could place you at risk from a cycle of debt if you fail to repay punctually.