How to Reset Chime Spending Limit

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Can you spend unlimited through your Chime Spending Account? Certainly not! Like other traditional banks, the Chime mobile bank also has specific spending limits.

The compact banking system provides all the services of any traditional bank. It enables you to complete your transactions at your fingertips. With Chime, you are always a click away from meeting any payment.

However, your work may sometimes delay if you exceed these limits. Hence, it is essential to know about the Chime Spending Limit and always keep them in mind before making any transaction.

Following the given write-up will help you know about the exact figures of the Chime Spending Limit.

Working of Chime Spending Account

The Chime Spending Account, commonly known as the Chime Checking Account, helps you receive your payments two days earlier. Another major perk is that it does not charge any minimum balance or overdraft fee. Regular direct deposits to the Chime Spending Account enable you to procure your payments earlier than other traditional banks.

Chime Spending LimitChime has bifurcated its spending limit into four different sections. They are mentioned as the following-

Over-the-Counter Withdrawals – OTC or Over-the-Counter Withdrawals has a limit of $500. However, there is no limit to the number of times you make the withdrawal.

Cash Back at Point-of-Sale– Cash Back at POS has a limit of $500 per day.

ATM Withdrawals- The Chime ATM Withdrawals are limited to $500 per day.

Card Purchases- Chime allows you to make card purchases up to $2500. You are not allowed to exceed the limit.

Reset Chime Spending Limit  – The Chime members do not have any provision to reset these limits. The limits automatically adjust themselves depending upon the time and frequency of withdrawals.

Chime SpotmeChime has another very convenient and exciting feature known as the Chime Spot. The feature spots you whenever you need any help to bear an expense. However, the feature is only available if you receive regular deposits of $500 every month.

Chime Spotme LimitThe Chime Spotme feature also has a limit, i.e., $20.

Reset Chime Spotme LimitChime Spotme provides you with an option to increase your Spotme limit. It is a significant advantage given by Chime. You need to maintain an excellent previous account record to enable the feature. Chime checks your account status. This way, you can boost up the Spotme Limit from $20 to $100.


The Chime neobank fulfils all the demands of the present world. With Chime, you are always a step ahead and can enjoy the best financial benefits. The only thing to be kept in mind is

following its terms and conditions. You should never forget the spending limits to ensure smooth transactions. Also, the limits are intangible. You have to abide by these limits to get the fastest and most precise results.

Thus, we can sum up that when you take care of Chime’s limits, Chime neobank looks after you. It provides you the most impressive services on a single platform.

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