Can I use SpotMe® with Credit Builder?

SpotMe covers purchases and cash withdrawals made with your ZenFunds Credit Builder Visa® Credit Card up to your SpotMe limit if you're eligible and have the feature enabled in your app. If you overdraw your secured account and SpotMe covers you, ZenFunds will deduct the negative balance from your next direct deposit or transfer of funds into your secured Credit Builder account, whichever comes first.

Your SpotMe limit is shared between your ZenFunds Visa® Debit Card and Credit Builder card. The same limit applies to purchases and ATM withdrawals you make with either card.

To learn more about SpotMe, read What is SpotMe®?

Frequently asked questions

Will using SpotMe with my Credit Builder card affect my FICO® Score?

No, using SpotMe with Credit Builder does not impact your credit reporting or FICO® Score.

If SpotMe covers me, will it show up on my account statement?

Each month, we'll provide a separate statement covering only SpotMe on Credit Builder transactions.

Can I turn off SpotMe for Credit Builder?

When you turn off SpotMe in your app, it deactivates on your debit and Credit Builder cards. If you want to turn it back on for your Checking Account only, you can do that in your app settings under SpotMe.