Chime has a free overdraft protection program called SpotMe. This program allows you to overdraw by up to $20, and your limit may go up to $200 depending on your Chime account history. SpotMe has its pros and cons. On the plus side, it's free, and you don't have to link to a savings account for overdraft protection like you do with many banks. But you can only qualify for SpotMe if you receive at least $200 in direct deposits per month.