If SpotMe® covers me, do I pay it back?

If you overdraw your account and SpotMe covers you, ZenFunds will deduct the negative balance from your next direct deposit or transfer of funds, whichever comes first.

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 Friends transfers, or ZenFunds Checkbook transactions. See terms and conditions.