Chime Checking: overdraft fee & grace period
Checked against Chime’s own pages on October 26, 2026. 3 facts verified, 2 not confirmed.
Forgiveness score 6 of 11no feebreathing roomoverdraft offMay be out of date
This entry hasn’t been re-checked in over 90 days, so it may be out of date. Please check the source links.
Grace period / breathing room
SpotMe: free overdraft on debit card purchases and cash withdrawals for eligible members ($200+ in qualifying monthly direct deposits). Limit starts at $20 and may go up to $200.
Source: chime.com/spotme/
Card lock / blocking
Not confirmed — we couldn’t verify this on an official page yet
ADHD-friendly features
Not confirmed — we couldn’t verify this on an official page yet
Not applicable here: Late fee, First late fee waived?, Autopay.
“Not confirmed” means we couldn’t verify it on an official page, not that the feature doesn’t exist. Not financial advice: always check the source, since your own account terms may differ.
Report a change Estimate your ADHD tax
Want a daily safe-to-spend number texted to you?
Join the early list for a shame-free money app for ADHD brains, coming soon.
Thanks! (Preview build: the early list isn’t connected yet, so nothing was sent.)
No spam, no guilt trips. Unsubscribe anytime.