Chime Routing Number and Bank Name: Your Complete Guide to Direct Deposit


Are you tired of waiting for paper checks to clear or rushing to the bank on your lunch break? Setting up direct deposit is one of the best ways to take control of your financial life. If you are a Chime member, you already know the platform is built for speed and convenience—but when it comes to formal paperwork, things can get a little confusing.

You might be looking at a direct deposit form from your employer and wondering, "What is the actual bank name for Chime?" or "Where do I find my routing number?" Don't worry—you aren't alone. Because Chime is a financial technology company and not a traditional bank, they partner with established institutions to protect your money.

In this guide, we will break down exactly how to find your specific banking details so you can unlock features like getting paid up to two days early.

The Big Question: What is Chime's Bank Name?

When you fill out a direct deposit form, you cannot simply write "Chime." Instead, you must use the name of the bank that officially holds your deposits. Chime partners with two main institutions:

  1. The Bancorp Bank, N.A.

  2. Stride Bank, N.A.

Why are there two? Chime uses multiple partners to ensure reliability and scale. The specific bank assigned to your account depends on when and where you signed up.

How to Find Your Assigned Bank

To ensure your paycheck reaches your account without delay, you need to verify which bank is yours. You can do this in three quick ways:

  • Check the App: Open your Chime app, tap on Settings, and look under Account Information.

  • Look at Your Card: Flip your green Chime Visa® Debit Card over. The name of the issuing bank is printed in small text on the back.

  • Download the Form: In the app, go to Move Money, tap Set up direct deposit, and select Get completed form. The correct bank name and address will be right at the top of the PDF.

Locating Your Chime Routing and Account Numbers

Your routing number is like an address for the bank, while your account number is the specific "apartment number" for your money. You need both to set up direct deposit.

The Routing Numbers

While your account number is unique to you, routing numbers are shared across the bank's branches. Generally, the routing numbers for Chime's partners are:

  • The Bancorp Bank, N.A.: 031101279

  • Stride Bank, N.A.: 103100195

Important Note: Always verify these numbers inside your own Chime app before submitting paperwork. Using the wrong routing number is the number one cause of "missing" or delayed paychecks.

Where to Find Them in the App

  1. Log in to the Chime mobile app.

  2. Tap the Move Money icon at the bottom.

  3. Select Set up direct deposit.

  4. Your Routing Number and Account Number will be displayed clearly on the screen.

Three Ways to Set Up Your Direct Deposit

Chime makes the transition from paper checks to digital deposits as seamless as possible. You have three main options:

1. The Automatic Way (Find Employer)

Many large employers and payroll providers (like ADP or Gusto) are integrated directly into the Chime app.

  • Go to Move Money > Set up direct deposit.

  • Tap Find Employer.

  • Search for your company and log in using your payroll credentials. Chime will handle the rest!

2. The Professional Way (Pre-filled PDF)

If your HR department requires a physical or digital form, Chime can generate one for you.

  • In the Set up direct deposit section, tap Get completed form.

  • Chime will email you a PDF that includes your bank name, routing number, account number, and even a voided check.

  • Simply forward this email to your HR manager.

3. The Manual Way (Self-Service Portals)

If your job uses an online portal (like Workday), you can simply copy and paste your details.

  • Log into your employer’s payroll site.

  • Choose Add New Account or Edit Direct Deposit.

  • Enter your Account Number and the Routing Number found in your app.

  • Enter the Bank Name (The Bancorp Bank or Stride Bank).

Why Use Chime for Your Paycheck?

The effort of switching to direct deposit pays off—literally. When you have your paycheck deposited into your Chime account, you gain access to some of the most popular features in modern finance:

  • Get Paid Up to 2 Days Early: Chime processes your funds as soon as they receive notification from your employer, which is often much faster than traditional banks.

  • SpotMe® Coverage: Eligible members can enjoy fee-free overdraft protection on debit card purchases and cash withdrawals.

  • Automatic Savings: You can set the app to automatically move a percentage of every paycheck into your High-Yield Savings Account, helping you build wealth without thinking about it.

  • Credit Builder: Use your direct deposit to move money into a secured Credit Builder account, which can help increase your credit score over time with regular, on-time payments.

Common Troubleshooting Tips

If you've submitted your form but don't see your money yet, keep these things in mind:

  • The Two-Cycle Rule: It often takes 1–2 pay cycles for a new direct deposit to go into effect. You might receive one last paper check before the digital switch is complete.

  • Name Match: Ensure the name on your payroll account matches the name on your Chime account exactly. Discrepancies can lead to the bank rejecting the transfer for security reasons.

  • Account Type: Always select Checking as the account type when prompted by your employer's portal.

Setting up your direct deposit with the correct Chime bank name and routing number is the key to a smoother, faster financial life. Once it’s done, you can sit back and watch your money arrive earlier than ever!


Understanding Chime’s Bank Name: Who Really Manages Your Money?



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