What is the routing number for chime

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Chime is the banking app that has your back. Keep your money safe with security features, overdraft up to $200 fee-free*, and get paid early with direct deposit^, with no monthly fees.

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iPhone Screenshots
What’s New
Ratings and Reviews
Simple & hassle free! No overdraft fees!!!
A good and simple banking service
What’s the catch?
App Privacy
Data Linked to You
Information
You Might Also Like
Does Chime give you an account number?
What account type is Chime for direct deposit?
What bank is Chime on plaid?
What is Chime bank number?

Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank or Stride Bank, N.A.; Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. May be used everywhere Visa cards are accepted.

TRUSTED BY MILLIONS
Stay in control of your money with instant transaction and daily balance alerts. Plus, enable two-factor authentication and block your card in a single tap.

OVERDRAFT UP TO $200*
We get it– when your balance is running low, the last thing you need is an overdraft fee. Eligible members on Chime can overdraft up to $200* on debit card purchases and ATM withdrawals fee-free.

SAY GOODBYE TO MONTHLY FEES
Your account shouldn’t cost you money. Chime has no monthly maintenance fees, minimum balance fees, or foreign transaction fees. Plus, access 60k+ fee-free‡ ATMs at locations like Walgreens, 7-Eleven, CVS, and more.

GET PAID UP TO 2 DAYS EARLY
Get your paycheck up to two days early^ with direct deposit, earlier than you would with some traditional banks.

MEET CREDIT BUILDER, A NEW WAY TO BUILD CREDIT
Whether it’s for gas or groceries, use Credit Builder¹ to increase your FICO® Score by an average of 30 points² with regular on-time payments. No interest‡, no annual fees, no credit check to apply.

PAY ANYONE WITH NO TRANSFER FEES
Send money to friends, family, or roommates as fast as a text – with no transfer fees.
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*Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime 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 Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime'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 Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions. Only SpotMe eligible members may send boosts.

‡Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

^Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

¹Chime Checking Account and $200 qualifying direct deposit required to apply for the secured Chime Credit Builder Visa® Credit Card. See chime.com to learn more.

²Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

³Based on Bankrate’s 2022 Checking Account and ATM Fee Survey: https://www.bankrate.com/banking/checking/checking-account-survey/

Chime received the highest 2021 Net Promoter Score among competitors in the industry according to Qualtrics®.

What’s New

Nov 15, 2022

Version 5.150.0

Thanksgiving’s almost here and we’re in the middle of a turkey shortage! Just another thing inflation has gotten its hands around. But let’s talk about something that’s inflation-proof: Chime’s app updates. For the same price each week (nothing), you can grab performance upgrades and bug fixes with the same tap of a button as the week before. I was going to include “family time” as something else inflation-proof, but it’s turned the $50 Uncle Jimbo owes me into $78.96. He can bring the bird.

Ratings and Reviews

4.8 out of 5

561.7K Ratings

Simple & hassle free! No overdraft fees!!!

I’ve been using Chime for a little over a year now & I absolutely love it! I love the convenience of being able to manage all my accounts from my phone, & the app is very user friendly & simple to navigate. One of the biggest reasons I’ve heard others say they are reluctant to use Chime is not being able to go into a physical bank location if they have a problem with their account. However every time I have had questions or issues & used the chat feature, my problems were resolved right away! I also love that there are NO OVERDRAFT FEES & you get a REAL TIME BALANCE!!! The reason I left my previous bank for Chime is because they were very slow to post transactions; so I’d check my balance & think I had enough to to pay a large bill only to find out days later that I did not have enough money & then get hit with a $30 overdraft fee EVERY SINGLE DAY MY ACCOUNT WAS NEGATIVE. With Chime, you can see your pending charges, & they will even spot you up to a certain amount until your next pay day if you accidentally overdraw your account! If you do accidentally overdraw & don’t have enough funds available in Spot Me credit, they just decline the transaction instead of hitting you with overdraft fees. All banks need to do that in my opinion! I highly recommend banking with Chime!

A good and simple banking service

Chime is just what you would expect out of a bank. You can open a checking and savings account just as you would with any other banking service. One of the main things that stand out to me over other banks is their app UI, it’s very simple and clean, making it easy to find what your looking for. I absolutely hate that most bank apps have so much stuff on their UI that you can forget where things are. Chime keeps everything neat by keeping what’s important easy to see and the rest of it under the settings. The SpotMe feature kind of feels like a gimmick. I thought it was cool at first but the main problem with it is that they are turning overwithdrawals into a “I got your back” feature; almost as if they are encouraging it. The only difference with the SpotMe feature is that you will not be charged a fee for doing so. I personally think it’s a bad idea because this feature can encourage bad financial decisions, especially because they offer boosts that increases the amount you can overwithdraw. It’s a nice feature to have when your struggling but it shouldn’t be encouraged. Also, one of the downsides to it is that you can only use the SpotMe for online purchases but not for paying bills which begs the question, “is this really to help you or is it to encourage spending over your balance for things you want?”. Aside from this feature it’s a pretty good making service.

What’s the catch?

There isn’t one. When I first heard of chime I thought it was too good to be true, no overdraft fees, building your credit without having to remember there’s a bill at the end of the month (you have to turn safe credit building on). I’ve lived on my own since I was 16 and when I tried renting apartments at 18, I discovered my lack of credit history was a big issue. Within a few months I got my first credit score, the card they issue essentially works like a debit card. It’s a credit builder card therefore, I have a perfect payment history, a score of first 678, then 680, and 704 as of right now. They also have other resources for a select few insurance companies, investment apps, cash back savings apps etc. There is no overdraft fee, though it is possible to overdraft but not over the spot me limit you’re allowed. If you’re not one that likes over drafting anyway, I’d turn “spot me” off. That way whatever purchase that’s over your available spending balance will be declined. And the best part about online banking is that you can disable your cards anytime you want to avoid unauthorized transactions. Also there is a $100 bonus for you and each person you refer that signs up and gets $200+ direct deposited within the first 45 days of creating the account I believe.

App Privacy

The developer, Chime Financial, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

Purchases
Financial Info
Location
Contact Info
Contacts
User Content
Identifiers
Usage Data
Sensitive Info
Diagnostics
Other Data

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Information

Seller

Chime Financial, Inc.

Size

247.4 MB

Supports

Wallet
Get all of your passes, tickets, cards, and more in one place.

Does Chime give you an account number?

You can get this information using the Chime mobile app or the website: www.chime.com. In the Chime mobile app: Tap Move Money to see your Chime routing number and account number so that you can give this information to your payroll or benefits provider.

What account type is Chime for direct deposit?

Chime is a full-featured deposit account. Your account can receive direct deposits and it supports pre-authorized withdrawals and interbank transfers through the automated clearing house (ACH) Network.

What bank is Chime on plaid?

On behalf of their banking partners, The Bancorp Bank and Stride Bank (Members FDIC), Chime offers members a mobile-first spending account, an optional savings account, and a Chime Visa Debit Card. Other features include a high-yield savings account and fee-free overdrafts.

What is Chime bank number?

Help is available 24 hours a day, 7 days a week. The fastest way to get in touch is the chat feature in the top right corner of the home screen in the Chime app or by phone at +1 (844) 244-6363.