If you've ever been asked for your chime bank name on a direct deposit form or a wire transfer, you may have paused — because Chime itself is not a bank. The answer depends on which of Chime's two partner banks holds your account. This guide explains what is Chime bank name, how the chime routing number works, and exactly how to find both in your app.
What Is the Chime Bank Name?
Chime is a fintech company that partners with two FDIC-insured banks to hold member deposits:
- The Bancorp Bank, N.A.
- Stride Bank, N.A.
When you open a Chime Checking Account, your deposits are assigned to one of these two institutions. Which one depends on when you signed up and how Chime was routing accounts at that time. You cannot choose between them, and Chime does not allow you to switch.
So if a form asks "what is Chime bank name" or "what bank does Chime use," the correct answer is either The Bancorp Bank, N.A. or Stride Bank, N.A. — whichever applies to your specific account.
Bancorp Bank Chime vs. Stride Bank: What's the Difference?
For practical purposes, there is very little difference for Chime members. Both Bancorp Bank Chime and Chime Stride Bank partnerships offer:
- FDIC insurance up to $250,000 per depositor
- The same Chime app experience
- The same Visa debit card
- The same access to SpotMe, MyPay, and other Chime features
The main difference between the two shows up in the routing number, which we'll cover below. Your day-to-day Chime experience is identical regardless of which partner bank holds your account.
Chime Routing Numbers: Bancorp vs. Stride
Because chime routing number depends on your partner bank, there are two possible routing numbers:
| Partner Bank | Routing Number |
|---|---|
| The Bancorp Bank, N.A. | 031101279 |
| Stride Bank, N.A. | 103100195 |
Always use the routing number that matches your specific Chime account. Using the wrong routing number on a direct deposit form could cause a delay or misdirected payment.
How to Find Your Chime Routing Number and Account Number
The simplest way to find your chime bank routing number and account number is directly in the Chime app:
- Open the Chime app on your phone
- Tap Move Money at the bottom of the screen
- Tap Direct Deposit
- Your routing number and account number are displayed on this screen
You can also tap Settings > Account Info in some versions of the app to find the same information. Once you're on the Direct Deposit screen, you can share your account details directly with an employer or benefits provider.
Alternatively, look at the back of your Chime Visa debit card — it states which partner bank issued your card: either The Bancorp Bank, N.A. or Stride Bank, N.A. Once you know your bank, you know your routing number from the table above.
Using Your Chime Account and Routing Number
With your account number and routing number in hand, you can:
- Set up direct deposit from your employer or benefits provider
- Link your Chime account to payment platforms like PayPal, Venmo, or cash advance apps
- Receive ACH transfers from other bank accounts
- Provide banking details for government payments like tax refunds
For direct deposit setup specifically, Chime also offers a pre-filled direct deposit form you can download inside the app. Some employers accept that form instead of a manual routing/account number entry.
If you need to check when your direct deposit will arrive, our guide on what time Chime direct deposit hits explains the timing in detail.
Chime
Chime
- Fee-free banking plus early pay access - Overdraft up to $200 without fees - 5% cash back and build credit everyday. - 3.75% APY on your savings.
Standout feature
No credit check, no interest, no annual fee, and no minimum deposit required.
Fees
$0
Pros
Fee-Free Banking and Get paid up to 2 days early
Cons
App/online-only support, no branches
Is Chime FDIC Insured?
Yes. Because Chime holds your deposits at The Bancorp Bank, N.A. or Stride Bank, N.A. — both FDIC member institutions — your money is federally insured up to $250,000 per depositor. This is the same protection level you'd have at a traditional bank. Chime itself is not FDIC insured because it's not a bank, but the banks that hold your money are.
For a full picture of what Chime offers, including its checking account, savings account, and Credit Builder card, see our complete Chime review.
Common Situations Where You Need Your Chime Bank Name
Tax refunds and government payments: The IRS and other agencies ask for your bank name, routing number, and account number. Use "The Bancorp Bank" or "Stride Bank" (whichever applies), along with your specific routing number and account number from the app.
Employer direct deposit: Your HR department or payroll provider may ask for your bank name. Provide either The Bancorp Bank, N.A. or Stride Bank, N.A. along with your routing number and checking account number.
Cash advance apps: Apps like Earnin or Dave that link to your Chime account use your routing and account numbers for ACH transfers. They typically handle the bank name automatically through Plaid, but manual entry may require the correct bank name.
Wire transfers: Chime does not natively support outgoing domestic or international wire transfers. If you need to receive a wire, contact Chime support at (844) 244-6363 to get the correct wire instructions, as these differ from standard ACH routing details.
For more on contacting Chime, see our Chime customer service guide. And if you're comparing Chime to other neobanks, our apps like Chime roundup covers the top alternatives.
Firstcard is not a product issuer and is not affiliated with Chime. Routing numbers and partner bank assignments are subject to change. Always verify at chime.com or in the Chime app before using these details on financial forms.
Chime
Chime
- Fee-free banking plus early pay access - Overdraft up to $200 without fees - 5% cash back and build credit everyday. - 3.75% APY on your savings.
Standout feature
No credit check, no interest, no annual fee, and no minimum deposit required.
Fees
$0
Pros
Fee-Free Banking and Get paid up to 2 days early
Cons
App/online-only support, no branches
Frequently Asked Questions
What is Chime's bank name for direct deposit?
Chime's bank name for direct deposit is either The Bancorp Bank, N.A. or Stride Bank, N.A., depending on when you opened your account. Open the Chime app, tap Move Money, then Direct Deposit to see your specific bank, routing number, and account number. Use whichever bank name and routing number are displayed there.
What is the Chime routing number?
Chime has two possible routing numbers: 031101279 for accounts held at The Bancorp Bank, N.A., and 103100195 for accounts held at Stride Bank, N.A. Your routing number depends on which partner bank holds your deposits. Find your specific routing number under Move Money > Direct Deposit in the Chime app.
Is Chime a real bank with its own routing number?
Chime is a fintech company, not a bank, so it does not have its own bank routing number. The routing numbers 031101279 (Bancorp) and 103100195 (Stride) belong to Chime's partner banks. Your Chime account is held at one of those two FDIC-insured banks, which is why the routing numbers are real and work for direct deposits and ACH transfers.
Can I switch my Chime account from Bancorp to Stride Bank?
No. Chime does not allow members to switch between its partner banks. Your account is assigned to either The Bancorp Bank, N.A. or Stride Bank, N.A. when you sign up, and that assignment is permanent. For practical purposes, this doesn't affect your Chime experience — both banks offer the same features and FDIC insurance coverage. Terms and conditions apply.
