Chime Bank Name and Address: Your Quick Guide to Getting Paid

Staring at a direct deposit form wondering, “What’s Chime’s bank name and address?” It’s a common question, and as a financial advisor for over 25 years, I’ve seen it cause unnecessary stress. Nobody wants their paycheck or tax refund delayed!

This guide cuts straight to the chase: what you need to know, why, and how to find it fast, so you can get your Chime direct deposits set up correctly.

This table serves as a quick reference for the Chime bank name and address, as well as other essential details. In addition, you will need the bank routing number:

• Chime (partnered with Stride Bank N.A.): Routing Number – 103100195
• Chime (partnered with The Bancorp Bank): Routing Number – 031101279

Feel free to refer back to it as you navigate through the rest of the article.

TL;DR Key Takeaways – Your Chime Bank Details at a Glance:

• Chime Isn’t a Bank: Chime is a financial technology company. It partners with The Bancorp Bank, N.A. or Stride Bank, N.A. (both Member FDIC) to provide banking services. Your funds are FDIC-insured through these partners.
• Use the Partner Bank’s Info: For direct deposits (paychecks, tax refunds), you must use the name and address of your specific partner bank (The Bancorp Bank, N.A. or Stride Bank, N.A.), not “Chime.”
• Find it in the App: The easiest way to find your correct Chime partner bank name, address, and routing number is in the Chime app:
  • Go to Settings ➔ Account Information.
  • Or, go to Move Money ➔ Set up Direct Deposit (often has a “Get Completed Form” option). This is often detailed on Chime’s help pages.
• Why It Matters: Using the wrong details (like “Chime” as the bank or Chime’s corporate HQ address) will cause payment delays or rejections.
• Specific Chime Addresses: Chime has its own PO Box or corporate addresses for things like legal notices or arbitration, but these are not for direct deposits.

Chime’s Bank Name: The Quick Answer You Need

Here’s the most important thing: Chime is a financial technology company, not a bank itself. Chime provides its app and services by partnering with actual, FDIC-insured banks. The two main banks Chime works with are:

Using “Chime” as the bank name is incorrect for this purpose. [As Chime now clearly states, “Chime is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank or Stride Bank, N.A.; Members FDIC.”

This structure is common for neobanks and is crucial for understanding your account.

When you set up direct deposit, you’ll need the name and address of one of these partner banks. Specifically, the one your Chime account is linked to.

So from my experience, getting Chime’s official name right matters big time. Here’s your cheat sheet:

• If your Spending Account mentions Stride Bank, N.A., use “Stride Bank, N.A.“
• If your Spending Account mentions The Bancorp Bank, use “The Bancorp Bank, N.A.” on financial docs

How to Find Your Chime Bank Name and Address in Seconds

“Okay, Michael, how do I find my specific partner bank info?” Easy – your Chime app is the best source.

Your Chime App: The Best Place for Accurate Info

1. Open your Chime app.
2. Go to Settings.
3. Look for Account Information (or similar).
4. A great spot is often under Move Money ➔ Set up Direct Deposit. You’ll likely find a “Get Completed Form” or “View direct deposit info” option.
   This will show your specific partner bank (The Bancorp Bank, N.A. or Stride Bank, N.A.), its address for deposits, and your routing/account numbers. This process is often detailed on Chime’s official help center.

Michael’s Pro Tip: Always check the app before filling out any forms. It’s the most current source for your account.

Your Chime Debit Card: A Quick Clue

The back of your Chime Visa® Debit Card usually names the issuing partner bank (The Bancorp Bank, N.A. or Stride Bank, N.A.). This confirms your partner bank, but for the address, the app is still king.

When Do You Need Chime’s Partner Bank Name and Address?

Knowing when to use these specific details is key.

Setting Up Direct Deposit (Paychecks, Tax Refunds)

This is the #1 reason. For any direct deposit:

• Paychecks: Your employer needs your Chime account number, routing number, and the partner bank’s name and address.
• Tax Refunds & Government Benefits (SSI, etc.): The IRS and other agencies also require the partner bank’s name and address, not just “Chime.”
  The IRS explicitly states that direct deposit information must be accurate for successful processing. Using the wrong info here is a common cause for refund delays.

For Chime Direct Deposit – Chime bank name, city and state, and zip code

Other Official Needs (Legal Mail, Disputes)

Sometimes you might need Chime’s company addresses for specific, non-deposit situations. These details can usually be found on Chime’s contact or legal pages on the official Chime website.

• Disputing Debts (Arbitration Rejection): Chime, PO Box 417, San Francisco, CA 94104
• Legal Service of Process on Chime: ATTENTION: Legal Service of Process Team, 409 Silverside Road, Suite 105, Wilmington, DE 19809
• Stopping Preauthorized Transfers to Chime: Chime, P.O. Box 417, San Francisco, CA 94104-0417

Important: These are for correspondence with Chime, the company. Do NOT use these for direct deposits.

Why Your Employer Needs Chime’s Partner Bank Details

You might ask, “If I use the Chime app, why does my employer care about another bank?” Fair question! Your employer (or the IRS, etc.) needs the partner bank’s details because:

• Payments Go to Real Banks: Money is sent to actual, chartered banks. The partner bank is where your Chime funds are held.
• Financial System Rules: Payment systems (like ACH for direct deposits) require accurate bank identification to work correctly.
• Compliance: Payers need to ensure they’re sending money to legitimate, regulated institutions.
• FDIC Insurance Confirmation: Your Chime deposits are FDIC-insured through these partner banks. Using their correct details helps confirm this. [Chime’s own disclosures emphasize this partnership for FDIC coverage].

I’ve seen folks like David, a recent grad setting up his first payroll, nearly use Chime’s office address – a mistake that would’ve definitely delayed his pay.

Common Chime Bank Detail Mistakes (and How to Avoid Them)

Let’s avoid some common pitfalls:

• Mistake 1: Using “Chime” as the bank name for deposits.
  • Truth: Use your partner bank’s name (The Bancorp Bank, N.A. or Stride Bank, N.A.). I saw this with a freelancer, whose client payment was held up until she corrected “Chime” to her actual partner bank’s name. This is a frequent topic in online forums (e.g., Reddit’s r/chimefinancial).
• Mistake 2: Using Chime’s corporate HQ address (San Francisco, CA) for banking.
  • Truth: This is Chime’s office, not where your money goes. You must use the partner bank’s address found in your app. Partner bank addresses are often in places like Sioux Falls, SD (for The Bancorp Bank, N.A.) or Enid, OK (for Stride Bank, N.A.), but always verify your specific one in the app.
• Mistake 3: Assuming all Chime accounts use the same partner bank/address.
  • Truth: Chime uses both banks. Your account is tied to one. Check your app to know which one is yours. (Why two? Business reasons like product specialization – what matters is your specific bank.)

What If My Chime Direct Deposit is Rejected? Quick Fixes

It’s frustrating! If your deposit is rejected:

1. Re-Check Your App: Instantly verify all details (account, routing, bank name, bank address) in your Chime app. Typos happen!
2. Talk to Your Payer: Ask your employer/IRS to confirm the details they used.
3. Explain Clearly: If they question the partner bank name, politely explain Chime’s model.
4. Use Chime’s Pre-filled Form: Generate a direct deposit form from the app to give your employer. This usually clears things up.
5. Call Chime Support: If problems persist, call Chime (their support number is often listed as 1-844-244-6363, but verify on their official contact page) or use in-app support.

Get Your Chime Details Right, Get Paid Faster

Understanding that Chime uses partner banks (The Bancorp Bank, N.A. or Stride Bank, N.A.) and knowing how to find your specific partner bank details in the app is the key to smooth direct deposits.

My final piece of advice: always double-check your app before sharing your banking info. It takes seconds and can save you days of waiting for your money.

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Note: The content provided in this article is for informational purposes only and should not be considered as financial or legal advice. Consult with a professional advisor or accountant for personalized guidance.