Is it possible to overdraft a Chime debit card?

One can indeed overdraft a Chime debit card, although this feature is not automatic and must be activated. Chime offers an optional service called SpotMe, which allows eligible members to make debit card purchases that exceed their account balance without incurring traditional overdraft fees. This service covers overdrafts up to a certain limit, which starts at $20 and can be increased up to $200 based on factors like account activity and direct deposit history. Transactions that would cause an overdraft beyond the SpotMe limit would typically be declined. Therefore, while Chime promotes reduced fees and does not allow unrestricted overdrafts as some traditional banks do, it does provide a specific buffer through SpotMe for its users to overdraw marginally and safely.