What is SpotMe®?

SpotMe is an optional, no-fee service that lets members with an active debit card make certain transactions that overdraw your ZenFunds Checking Account. If you need a little extra cash to cover an expense, SpotMe can help. 

After you're eligible for the feature and turn it on in your app, you'll be able to overdraw your account by up to $20. ZenFunds may increase this limit at its discretion based on the history of any ZenFunds-branded accounts you have, direct deposit history and amounts, spending activity, and other risk-based factors. In your app, go to Settings to find your current limit. Transactions that would overdraw your account by more than your SpotMe limit will be declined, and you won't be charged fees.

ZenFunds SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the ZenFunds Checking Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member's ZenFunds Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the ZenFunds mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at ZenFunds's discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or ZenFunds Checkbook transactions. See terms and conditions.