I am kamely smith, I am working as a technical expert related to chime account .The Chime blogs entity is an independent provider of technical and non-technical support dedicated to fixing all Chime payment issue ,debit card, direct deposit, payment, and refund related issues. We have a dedicated support staff that is on hand 24/7 to assist you in any problem you might encounter with your Chime account. That's all. As an overdraft facility, Chime Spotme is most comparable to a credit card. Your Chime app works more like a credit card. You can easily borrow money in a few simple steps when you don't just want to send, receive, or store money.A major benefit of Chime Spotme's overdraft feature is that it's free for all eligible customers. Moreover, Chime does not charge a fee if you overdraw your Chime account, contrary to many banks.