Sydney Garth, Credit Cards Moderator
@sydneygarth
Currently, Chime offers one of the highest overdraft limits for free through its SpotMe program, allowing eligible customers to overdraw their Chime® Checking Account by up to $200 without any fees. However, eligibility for the $200 limit depends on factors like account history, direct deposit frequency, and spending activity.
Another option to consider is the Capital One 360 Checking Account, which offers fee-free overdraft protection with no specific limit mentioned. Additionally, SoFi® Checking and Savings covers debit card transactions up to $50 without fees for customers with $1,000 or more in monthly direct deposits.
Keep in mind that these features can change without prior notice. For the most up-to-date information, visit the banks' websites or contact their customer service.
You can check the best checking accounts available to ensure that whatever decision you go for really fits your goals.
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