Chime is an online banking platform that offers a feature called SpotMe, providing overdraft protection of up to $200 with no fees. Eligible customers can overdraw their account up to the approved limit without incurring overdraft fees. The service is instant and does not require a credit check, making it accessible to many users. Chime also offers other banking services, such as checking and savings accounts with no monthly fees. However, the overdraft limit is capped at $200, which may not be sufficient for larger financial needs. SpotMe eligibility depends on regular direct deposits and account activity. Chime has a Trustpilot score of 4.8, indicating generally positive customer experiences. Users should ensure they understand how SpotMe works and manage their account responsibly to avoid potential financial strain.