Staring at a direct deposit form wondering, “What’s Chime’s bank name and address?” It’s a common question, and I’ve seen it cause unnecessary stress.
If a payroll form is asking for your Chime bank name and address, don’t automatically type “Chime.” Chime is a financial technology company, not the bank that actually holds your checking account.
Your Chime Checking Account is provided by one of two FDIC-insured partner banks: The Bancorp Bank, N.A. or Stride Bank, N.A. The correct bank name, routing number and account number depend on which partner holds your account.
Quick Answer: Chime Bank Name and Address
| Chime Partner Bank | Bank Address | Routing Number |
|---|---|---|
| The Bancorp Bank, N.A. | 6100 S Old Village Pl Sioux Falls, SD 57108 |
031101279 |
| Stride Bank, N.A. | 324 W Broadway Ave Enid, OK 73701 |
103100195 |
Do not choose between these two from a table alone. Open Chime and go to Move Money > Direct Deposit. Chime will show the partner bank, routing number and checking account number assigned to your account.
Find the Right Way to Add Money to Chime
Choose what you are depositing. You will get a practical next step and a direct link to Chime’s current instructions.
This recommendation changes with your answer and is based on the deposit method—not a paid placement.
Key Takeaways Ahead
What Is Chime’s Bank Name?
Chime itself is not a bank. Chime Financial, Inc. provides the technology and app, while banking services are provided by:
- The Bancorp Bank, N.A., Member FDIC; or
- Stride Bank, N.A., Member FDIC.
Which one should you put on a direct deposit form? The one assigned to your Chime account.
Chime says the partner bank for your Checking Account appears in your account agreement, on the back of your Chime Visa® Debit Card, and in the Direct Deposit section of your account.
Don’t Guess Which Bank You Have
Your friend may have a Chime account through Stride while yours is through The Bancorp Bank. Copying somebody else’s routing number because “we both use Chime” can send your payment information in the wrong direction.
How to Find Your Chime Bank Name, Address and Routing Number
The fastest answer is inside your own Chime account.
- Open the Chime app or sign in at Chime.com.
- Go to Move Money.
- Select Direct Deposit.
- Look for your partner bank name, routing number and checking account number.
- If you need something to give payroll, use Chime’s option to email, print or download a pre-filled direct deposit form.
That pre-filled form is my preferred solution because it eliminates the weakest link in this whole process: manually copying a string of bank numbers into another form.
Michael’s Rule: Your App Wins
A Google result can tell you Chime’s two possible routing numbers. Only your Chime account can tell you which one belongs to you. When money is about to be routed to your paycheck account, personalized beats memorized.
What Address Do I Use for Chime Direct Deposit?
If your employer, payroll company or benefits provider specifically asks for the bank’s address, Chime currently directs members to use the address of the partner bank that holds their deposits:
| Bank | Street Address | City, State & ZIP |
|---|---|---|
| The Bancorp Bank, N.A. | 6100 S Old Village Pl | Sioux Falls, SD 57108 |
| Stride Bank, N.A. | 324 W Broadway Ave | Enid, OK 73701 |
Important: You May Not Need an Address at All
Most electronic direct-deposit setups primarily route money using your routing number and account number. Chime specifically says to provide the partner-bank address if your payroll or benefits provider asks for it. Don’t turn an optional field into another opportunity for a typo.
Also notice what is not in that table: Chime’s San Francisco corporate address. Your paycheck is going to a bank account, not Chime’s corporate office.
What Is Chime’s Routing Number?
Chime does not have one universal routing number for every member.
- The Bancorp Bank, N.A. routing number: 031101279
- Stride Bank, N.A. routing number: 103100195
Those are the two routing numbers Chime currently lists for its Checking Account direct-deposit setup. But again, use the number displayed in your Chime account.
This matters because a routing number is not just a label. It identifies the financial institution receiving the ACH transaction.
Example: Same Chime App, Different Bank Details
You and your coworker can both get paid through Chime. Your coworker’s account might show Stride Bank and routing number 103100195. Yours might show The Bancorp Bank and 031101279. Both can be correct. What matters is matching the routing number to the Chime account receiving the money.
What Does My Employer Actually Need for Chime Direct Deposit?
For a normal payroll direct deposit, expect to provide some combination of:
- Your name
- Checking account number
- Routing number
- Account type: generally Checking
- Your partner bank’s name if requested
- Your partner bank’s address if requested
- The amount or percentage of your pay you want deposited, if your employer allows split deposits
You can skip much of the transcription by downloading Chime’s completed direct deposit form and giving that to payroll.
If you’re trying to figure out when the money will actually arrive after payroll sends it, see my guide to what time Chime direct deposit hits.
Myth: “The Form Says Bank Name, So I’ll Just Write Chime.”
Chime is the brand you interact with, but your Checking Account is provided by The Bancorp Bank or Stride Bank. If a payer specifically requests the financial institution’s name, use the partner bank shown in your Chime account.
What About a Tax Refund?
For a federal tax refund sent by direct deposit, the most important banking fields are the routing number, account number and account type. You should copy those directly from Chime rather than relying on an old screenshot or somebody else’s account.
The old version of this article suggested the IRS generally needs your partner bank’s name and address for a tax refund. That’s broader than necessary. The routing and account numbers are what route the electronic refund.
Get the Banking Detail Right Before Payday
Routing numbers, direct-deposit timing and fintech rules tend to matter most five minutes after something goes wrong. Get Chime changes and everyday banking rules translated into practical next steps each week.
Common Chime Bank Name and Address Mistakes
Most Chime direct-deposit mistakes are less mysterious than they look. They usually come down to copying the wrong information.
- Using “Chime” as the bank when the form wants the financial institution.
Use the partner bank shown in your Chime account. - Using Chime’s corporate address.
If the payer needs a bank address, use the address of your assigned partner bank. - Copying a routing number from Google without checking the app.
Both Chime routing numbers are legitimate. Only one is assigned to your account. - Using somebody else’s Chime information.
Two Chime members can legitimately have different partner banks. - Mistyping the account number.
A correct bank name won’t rescue an incorrect account number. - Assuming the card number is your checking account number.
Your 16-digit debit-card number is not the account number payroll needs.
The 30-Second Accuracy Check
Before you submit the form, compare the routing number and account number digit by digit against the Direct Deposit screen in Chime. Thirty seconds of boring verification is a much better deal than wondering where Friday’s paycheck went.
What If My Chime Direct Deposit Is Rejected or Missing?
If a new direct deposit doesn’t arrive when expected, don’t immediately assume Chime lost it.
- Open Chime and recheck the routing and account numbers.
- Compare them with what payroll or the payer actually has on file.
- Confirm the payer sent the deposit. Chime can only release a direct deposit after it receives the payment information from the payer.
- Ask payroll whether the payment was returned or rejected.
- Generate Chime’s pre-filled direct deposit form and use it to correct the employer’s records if necessary.
- Contact Chime if the payer confirms the payment was sent correctly but you still cannot account for it.
If you need Chime to investigate, my guide to contacting Chime customer service has the current support options.
Don’t Confuse “Late” With “Rejected”
Chime’s “get paid up to two days early” feature depends on when the payer submits the payment file. It is not a promise that every paycheck will arrive exactly two days before payday. If the account details match, timing may still vary from one pay cycle to another.
Is My Money Actually FDIC Insured if Chime Isn’t a Bank?
Chime itself is not FDIC-insured because Chime is not a bank. Chime’s disclosures say deposits are held through The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, with pass-through deposit insurance subject to the applicable FDIC requirements and limits.
If you want the underlying insurance distinction, see my guide to how FDIC insurance works.
Michael’s Take
The confusing part isn’t really the routing number. It’s that consumers see Chime everywhere while the payment system sees Stride Bank or The Bancorp Bank. Once you separate the brand from the underlying bank, the whole form makes a lot more sense.
Bottom Line: Use the Bank Details Chime Gives You
There are two possible Chime bank names:
- The Bancorp Bank, N.A.
- Stride Bank, N.A.
There are also two corresponding direct-deposit routing numbers and two bank addresses.
But the answer you actually need is not “Which banks does Chime use?” It is “Which bank does my Chime account use?”
Open Move Money > Direct Deposit, copy the bank and account information shown there, and use the pre-filled Chime form whenever your payer accepts it.
When the goal is getting paid, don’t guess at banking information you can verify in 30 seconds.
Sources
- Chime: Routing Number, Partner Bank Addresses and Direct Deposit Instructions
- Chime: Banking Services and FDIC Disclosures
- Chime: Frequently Asked Questions
Nobody wants their paycheck or tax refund delayed!
I’m going to show you what you need to know about Chime Bank name and address for deposits, and how to find it fast (I built a tool below to help). You’ll get your Chime direct deposits set up quickly and without the usual hassles.
Find the Right Way to Add Money to Chime
Choose what you are depositing. You will get a practical next step and a direct link to Chime’s current instructions.
This recommendation changes with your answer and is based on the deposit method—not a paid placement.
Chime banking services are provided through partnerships with FDIC-insured banks, offering modern features like early direct deposit access. Understanding which partner bank holds your account and how to reach support is essential for managing your Chime account effectively.
| Information Needed | Details |
|---|---|
| Chime’s Nature | Financial Technology (FinTech) Company |
| Bank Partners | Either Stride Bank N.A or The Bancorp Bank |
| Stride Bank N.A Address | 324 W Broadway Avenue, Enid, OK, 73701 |
| The Bancorp Bank Address | 6100 S Old Village Place, Sioux Falls, SD, 57108 |
| Direct Deposit | Available with Early Access to Funds |
| Customer Support | 1-844-244-6363 |
For account-specific questions or to verify which partner bank holds your Chime account, contact customer support at 1-844-244-6363 for immediate assistance.
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.
What You Need to Know: Your Chime Bank Details
- Chime isn’t actually 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.
- 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.
Key Takeaways Ahead
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:
| Bank Name | Account Number Format |
|---|---|
| The Bancorp Bank | 8 digits |
| Stride Bank, N.A. | 10 digits |
- 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
- Open your Chime app.
- Go to Settings.
- Look for Account Information (or similar).
- 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.
Here’s what I tell clients: 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?
Here’s when you need these specific details.
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
| Chime Bank Name | Chime Bank Address | Bank City, State | Zip Code |
|---|---|---|---|
| Stride Bank N.A | 324 W Broadway Avenue | Enid, OK | 73701 |
| The Bancorp Bank | 6100 S Old Village Place | Sioux Falls, SD | 57108 |
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)
Here are some common mistakes people make:
- 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:
- Re-Check Your App: Instantly verify all details (account, routing, bank name, bank address) in your Chime app. Typos happen!
- Talk to Your Payer: Ask your employer/IRS to confirm the details they used.
- Explain Clearly: If they question the partner bank name, politely explain Chime’s model.
- Use Chime’s Pre-filled Form: Generate a direct deposit form from the app to give your employer. This usually clears things up.
- 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.
