SpotMe: Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each at least once every 34 days. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member’s Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won’t cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions., Here are the best of the best online banks for 2024, whether you want to open a checking account, savings account or money market account: 14 Best Online Banks of 2024 These are the best online banks of 2024 for checking, savings and money market accounts, starting with our top pick. Editor’s note: APYs are accurate as of March 4, 2024., The best online checking accounts charge few fees, belong to a large ATM network, offer highly rated mobile apps and have other perks like early direct deposit and cash back..