Chime Direct Deposit Routing Number

Commitment to Our Readers

GOBankingRates’ editorial team is committed to providing unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services. Our reviews and ratings are independent of advertiser influence. Learn more about our editorial guidelines and our review methodology.

20 Years
Helping You Live Richer

Trusted by
Millions of Readers

Many Americans are turning to digital financial institutions like Chime for their main checking accounts. Despite its prominence, it’s crucial to note that Chime is a financial technology company — not a traditional bank. This distinction can sometimes lead to confusion, particularly when users need to manage typical banking tasks such as setting up direct deposits.

Direct deposit is a common method people use to receive their paychecks. As a Chime user, it’s essential to understand the specific details you need to provide to your employer. This guide will help you determine the appropriate bank name and routing number required to set up direct deposit with Chime.

What Is the Chime Routing Number?

Unlike traditional banks, Chime does not issue its own routing numbers. Instead, users must leverage the routing number of one of Chime’s banking partners, either The Bancorp Bank, N.A., or Stride Bank, N.A. The routing number for The Bancorp Bank is 031101279, while Stride Bank’s routing number is 103100195.

You can determine which bank services your Chime account by logging into your account and checking the direct deposit section. Additionally, the servicing bank’s name is available on the back of your Chime Visa debit card¹.

The Bancorp Bank

The Bancorp Bank has established itself over 20 years in the financial sector. They stand out in the prepaid card market and align closely with Chime’s mission to deliver accessible financial products. The Bancorp Bank is located at 345 N. Reid St., Sioux Falls, SD 57103.

Stride Bank

Founded in 1913, Stride Bank provides a range of financial products, catering to both consumer and commercial needs. These include banking services, wealth management, and mortgage solutions. The address for Stride Bank is 324 W. Broadway Ave., Enid, OK 73701.

How To Set Up Chime Direct Deposit

Setting up direct deposit with Chime is straightforward, though the process might vary slightly based on your employer’s requirements. Generally, you’ll need to have your bank details, account number, and routing number handy.

Here are three methods to set up Chime direct deposit:

1. Find Your Routing Number Manually

On the Chime website, navigate to “Move Money” to view your account and routing numbers. The mobile app allows you to access this by tapping “Move Money” and selecting “Move your direct deposit.” Share these numbers with your employer on their payroll forms.

2. Download a Completed Form

Chime offers an option to download pre-filled direct deposit forms. You can print this form from the website or app and provide it to your employer.

3. Find Your Employer Through Chime

The Chime app also facilitates direct deposit setups by searching for participating employers. Use the “Find employer” function in the app and follow the on-screen instructions.

Key Features of Chime

Chime distinguishes itself as a financial technology firm collaborating with banks to offer affordable banking products. These accounts often come with no annual or monthly fees, no overdraft fees, and no minimum balance requirements, focusing on accessibility and user-friendliness.

Chime provides the following benefits:

• Fee-free accounts²
• Overdraft protection up to $200 for eligible members³
• Early access to paychecks with direct deposit⁴
• Secured credit card options
• Access to over 50,000 fee-free ATMs⁵

Instead of relying on user fees, Chime earns revenue through transaction fees when members use their Chime cards.

Should You Use Chime for Direct Deposit?

Chime boasts an A rating from the Better Business Bureau and a strong customer review average of 4.16 stars. Despite some complaints about customer service and money loading inconveniences, many users appreciate Chime’s features like no monthly fees, fee-free overdrafts, and early access to paychecks.

Chime accounts are FDIC insured up to $250,000 through its banking partners, providing additional security features like encryption and debit card disabling to safeguard your funds.

Final Thoughts

For those looking for an online banking solution that offers early access to direct deposits, Chime is a reliable and affordable option. However, if you prefer personalized interaction with financial professionals, consider choosing a bank with more robust customer service support.

Cynthia Measom and Sarah Sharkey contributed to the reporting for this article.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings, or recommendations expressed in this article are those of the author alone and have not been reviewed, approved, or otherwise endorsed by any entity named in this article.

*Chime is a financial technology company, not a bank. Banking services are provided by, and debit card issued by, The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

¹Banking services and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

²There’s no fee for the Chime Savings Account. Cash withdrawal and third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.
³SpotMe® on Debit is an optional no-fee overdraft service for your Chime Checking Account. To qualify, receive $200+ in qualifying direct deposits to your Chime Checking Account each month and activate your physical Chime Visa® Debit Card or secured Chime Credit Builder Visa® Credit Card. Your overdraft limit will start at $20 and may adjust up to $200+. It’s based on Chime Account history, direct deposit frequency and amount, spending activity, and other factors. No overdraft fees for SpotMe transactions, but out-of-network or third-party ATM fees may apply. SpotMe on Debit does not cover non-debit transactions like ACH transfers or Chime Checkbook transactions. SpotMe Terms and Conditions.
⁴Early access to direct deposit funds depends on the timing the payment file from the payer. Chime generally makes these funds available the day the payment file is received, which can be up to two days earlier than the scheduled payment date.
⁵Out-of-network ATM withdrawal and over-the-counter advance fees may apply. See details.

Click Here For More Personal Finance tips and strategies.