Can you get cash back with Chime Spotme?” Have you been troubled with a similar sort of query lately? If yes, I must say you made the right decision navigating here. The following write-up is designed to provide you with all the resources in the most structured form.

Can you get Cash Back with Chime Spot me?

Yes, you can get cash back with Chime Spot me. In fact, the same feature can be used to grab amazing cash backs on popular retail outlets like Walmart and more. Chime Spot me lets users withdraw earned cash and even receive cash back at more than 60,000 network ATMs and over a whopping 40 000 retail locations. All by swiping the Chime Debit Card. 

Interestingly, in case you find your Spotme account balance approaching the negative end, the option of grabbing the cash back can indeed be a life-saving action.

Although the process is pretty simple, unknown approaches can lead to trouble. Stay tuned and learn everything to win amazing cash back using Chime on Spotme.

Who doesn’t aspire to have brimming fiscal depositories in his bank account, the world right at your feet with the expense of doing everything and anything you wish to? Sounds pleasing and illustrious. Now, that is viewing everything with a rose-tinted glass; more often than not, it is quite the opposite for most; money does not always lie brimming in our accounts unless, of course, one is not a Bill Gates or Mark Zuckerberg. 

So, buckle up if you are not under the above-mentioned category but do aspire for living your life on your terms, where someone just provides you the extra edge for money required in terms of availing, buying, or experiencing things, this article is designed exclusively for you. 

So, can you get cash back with Chime Spotme? How did this suddenly pop out of the blue? The cipher has been revealed; Chime Spotme is here for your rescue. Here’s how.

What Exactly is Chime?

Can you Get Cash Back with Chime Spot Me

With Chime, you’re looking at an American fintech company that provides hassle-free and fee-free convenient banking services. Being the parent company, the concerned services are actually offered by The Bancorp Bank or Stride Bank. Just like any other popular name in the finance industry, Chime account holders also get to enjoy Visa-powered debit cards and also credit cards. The platform further enables access to the modern-day flexible online banking system. Moreover, Chime brings convenient accessibility of banking features with the help of mobile apps and websites.

What makes Chime Different from Conventional Brick-and-Mortar Banks? 

Along with a plethora of benefits, one that tops the list would be its Spotme feature. Chime Spotme lets you overdraw your debit card purchases with absolutely no overdraft fees. 

The Spotme feature allows you to avail cash even post your bank balance has expired, and here comes the best deal, you can use the cash for anything, unlike the conventional reasons when usually one thinks of withdrawing money in emergency or urgency of money. 

So, can you get cash back with Chime Spotme? Totally, yes, No overdraft. No minimum balance. No monthly fees. No foreign transaction fees. You can use the money for any purpose that suits your needs, be it shopping, buying, traveling, paying for a splendid dinner with your friends, or just for traveling to some exotic place. They spot you whenever in need and help you right there. 

How does Chime Spotme Work?

In simple terms, Chime works by letting users make their purchases using the owned Chime Debit Card. In case the cash withdrawals are what users are after, the same can be taken at an ATM. But can you get cash back as well using Chime Spotme? Sure, cash back transactions can be taken at retail locations. 

The amount that gets overdrawn is also taken care of. What Chime does is adjust the overdrawn from what you intend to deposit next. The process is automatic and won’t charge any fee This feature remains exclusive to Chime Spotme. This is especially important to cushion your expense when some well-known traditional banks charge an overdraft fee as high as $40; Chime Spotme testifies to be much reliable and better alternative. 

How to Have Access to the Cash Back Feature? 

chime cash back
Money cashback poster with gold dollar coins. Vector illustration EPS10

In order to avail the benefit of Chime Spotme, there are some criteria to meet. Users need to have at least a single deposit (direct) of the amount that rests somewhere around $200 (minimum). However, having an amount more than that in your Chime Account won’t hurt. 

Note: It is worth remembering that the direct deposit must have been received by the platform in the next 34 days. 

Thence, the following instructions require to be implemented:

  • To get yourself enrolled in the Chime Spotme services, you’ll need to launch the app and head over to the Settings Tab.
  • Once done, get yourself signed0in by inputting the desired credentials followed by accepting the platform policies. 
  •  The maximum amount that you’re eligible to overdraw would then be informed.
  • Whenever you tend to withdraw more cash (more in a sense, the value that exceeds the Chime Spotme Limit), that overdrawn amount will be spotted and deducted from the amount of your next deposit. 

Here comes an example, suppose you have $50 in your Chime Spotme account but wish to withdraw $150 for some purchase. The excess $100 could as well be withdrawn with no overdraft fees; later, this negative balance would be checked in from our next transaction into your account.

According to research, traditional banks took $11 Billion in overdraft fees in 2019. Chime Spotme saves that amount and spots you exactly when you need a hand. 

Can you Get Cash Back with Chime Spotme at Walmart?

chime cash back at walmart

The answer is a straightforward yes. Getting cash back with Chime Spotme at the Walmart store is actually a genuine possibility. However, the cash back option is exclusive for self-checkout purchases. Apart from Walmart, Chime Spotme cash back can be attained at several other well-known retail locations, namely, Dollar General, 7-eleven, Target, Walgreens, CVS, etc.

How to get Cash back from Chime Spotme: During Shopping at Walmart.

Now that you know, getting Chime Spotme cash back at Walmart is a possibility; it is time to learn how to get the job done.

  • Step 1: The very first thing to do is visit any of your nearby Walmart stores. You can also pay a visit to other retail stores that supports Chime Spotme (as mentioned above)
  • Step 2: Proceed with the regular shopping routine. Choose and take the items that you’re after buying. It is crucial to keep in mind that you should make sure to pick something that doesn’t cost much, in case you’re running low on balance. 
  • Step 3: Once you’re done with the shopping, the next task is heading over to the dedicated Self Checkout register. This is indeed the most crucial step. 
  • Step 4: As usual, get all the items scanned.
  • Step 5: After you’re done with scanning, look for the Pay button and click on it.
  • Step 6: Take the owned Chime debit card and use it inside the POS Machine
  • Step 7: Then the fun part, the platform will ask for confirmation “Would you like cash back?” Simply proceed by agreeing to it, followed by choosing your cash back amount. It should always be within the Spotme Limit.
  • Step 8: Input your Chime card PIN, and you’re done

You can now take the cash back earned right from the concerned machine.

Reasons Why Chime Spotme Cash Back Not Working

In most cases, the answer to “Can you get cash back with Chime Spotme” rests on the positive end. However, users have complained about encountering situations that go the other way. On that note, it is crucial to understand why the Chime Spotme cash back may fail to work at times.

1. Exceeding Limit

The most usual case is when you’ve exceeded the designated Chime Spotme limit. Similarly, it is possible that the amount of cash you wish to withdraw as cash back exceeds the available balance on Spotme.

Not just that, the Cash back option may fail to initiate even when there is no issue regarding the account balance. The situation occurs if and when the transaction exceeds the cash limit of the concerned retailer.

2. Disabled Spotme

A disabled Spotme feature on Chime App can also result in such issues. If you come across something similar, get in touch with Chime support for more information.

3. Disabled Debit Card

Just like the disabled Spotme feature, a disabled Chime debit card can lead to all sorts of transaction-related issues.

4. Server Downtimes

Bugged servers hold a large share of responsibility when it comes to failed Spotme transactions. It is thus always recommended to have the Chime servers checked before you try getting the answer to Can you get Cash back with Chime Spotme?

  • Take your smartphone and launch any web browser.
  • Visit Downdetector
  • Head over to the search bar and type in Chime.
  • Clicking on the Go button should bring up a Graph. Study the same properly and understand if the servers are doing fine or else wise.

[Answered] Can you get Cash back with Chime Spotme?

Thence, one final time, can you get cash back with chime Spotme? The answer would be a wide, glaring yes. Eight million bank accounts are registered already where accounts provided via Chime’s partners are even insured. The insurance stretches over the set standard maximum deposit amount of around $250,000.

But whatever, the benefits of the Chime Spotme cash back following must be availed and is worth an explore so that when the going gets tough and things get hard on your pocket, it would help you get that extra cushion. 

That’s everything about the query, can you get Cash back with Chime Spotme? I tried explaining everything to you in the simplest of terms. However, if you face any trouble along the way, feel free to leave a comment.

Similar Posts:

  1. [Answered] How to Get Money off Cash App at Walmart?
  2. Can I Load My Chime Card At Dollar General in 2022?
  3. Can I Have Two Cash App Cards on One Account in 2022? 
  4. [Best Answer] Does Chime Work with Cash App
  5. Can I Load My Cash App Card at Speedway in 2022

Was this post helpful?