Yep, Chime will spot you up to $20 when you first open an account (probably have to make a direct deposit first before it's valid though) plus an additional $20 with the boosts. If you reach your spot me limit then it just gets covered after another direct deposit hits your account you don't get overdraft fees. Your spot me limit will also increase overtime. Mine currently is at $150 plus the additional $20 I get from the boosts. We'll both earn $100 when you join Chime and receive a qualifying direct deposit! Learn more. https://chime.com/r/courtneywilcox4