What does SpotMe® cover?

With SpotMe, you can overdraw your account up to your specified limit for the following transactions:

• • • Debit card purchases
    • ATM withdrawals
    • Cash-back transactions
    • Over-the-counter (OTC) withdrawals

SpotMe does not cover:

• • • Pay Anyone transfers
    • Direct debits from your ZenFunds Checking Account (e.g., automatic bill payments like utilities or streaming subscriptions)
    • Transfers to apps like Venmo and Cash App
    • ZenFunds Checkbook transactions

Keep in mind that 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.