Finance

Chime Routing Number – Easiest Access to Banking Services

Chime routing number comes with a fully-featured chime deposit account. This number helps offer several services to the chime customers like direct deposits and interbank transfers through Automated Clearing House Networks (ACH). 

What Will We Talk About Here?
  • A 9-digit Chime routing number is compulsory to make money transfers and direct deposits.
  • Chime account is associated with either of the two partner banks to help access banking services i.e. Stride bank or Bancorp bank. 
  • Chime provides an FDIC insured Chime Deposit account that is insured up to standard deposit insurance of $250 million.  

…and Much More!

Chime Routing Number – In a Nutshell 

Chime Routing Number is a 9-digit number that is the identification number for the bank or financial institution the number is associated with. A routing number is required for tax refund deposits, to transfer money from one account to another such as to a bank, Cash app, PayPal, etc. It is also needed to set up to set up direct deposits. 

The routing number helps direct the funds’ transfer made with an electronic app or website. It also aids in processing checks in the United States.

  • The bank associated with your chime routing number is written in the Spending and saving account agreement as well as at the back of your Chime Visa debit card. 

These services of money transfer into and out of the chime account via different sources make spending easy through a chime card. The important thing is to have a chime routing number to be able to enjoy these services. 

There is also a service of increasing credit scores via chime credit card builder. It acts as a saving account. It can help save money with standard insurance of deposit amount of up to $250 million. Chime Routing Number support pre-authorized withdrawals as long as you stay within Chime spending limits.

Chime also provides an FDIC insured Chime Visa Debit Card for a debit account entirely managed through the mobile application. Both the partner banks i.e. Bankcorp and Stride Bank are FDIC members.

You might be interested in reading: Cash App Account Number.

Why Do You Need a Chime Routing Number? 

Chime Routing Number is required for you to get paid as this will be needed by your employer. Without this number, it’s not possible to send you money on your Chime account and that is why it appears on the direct deposit enrollment form. 

It is standard information that payers require for paying you. There are different Chime routing numbers for two different partner banks i.e. Stride bank and Bancorp bank that ensure correct transfer of funds in your Chime Spending Account. 

Attention! Although two different number are associated with two different banks the services, features, benefits, or experience are similar. The two Banks only ensure improved user experience. 

Also, to ensure end to end encryption and security, banks have an additional layer of security feature which do not allow anyone else to have access to the chime routing number and you can also set up passwords for payments.

While setting up direct deposit, you must put your email address in the recipient’s address to ensure no one else gets the enrollment form for direct deposit as it has the important information of your accounts like routing number, address, social security number, and all other account details. 

You might be interested in reading: Online Banks Like Chime.

Find Chime Routing Number – Step By Step Guide

The chime routing number can be found in two places either in the Move Money section of your mobile application or in the Direct Deposit Enrolment Form on the official chime website. Either way, you use, must keep your details safe or provide them to the ones who need to pay you.

Mostly, the two following chime numbers are common, however, the number varies from person to person, according to Chime Support i.e. for Bancorp Bank 031101169 is mostly used and for Stride bank 103100195 is used. 

The direct deposit Enrolment form can be downloaded from the app as well in the Money Move section having a chime routing number. To find your Chime routing number in the Mobile App or On Official Chime website, here’s what you need to do.

  1. First of all, open the Chime app or official chime website.
  2. Sign in to your Chime account either on the app or on the website. Signing in could be simply just a fingerprint ID via a mobile application. 
  3. However, a website account will require you to log in with a password and customer number just like you sign in to any other mobile application or website account. 
  4. Now open the money Move section in the app. This area is used for making money transfers and this section will appear the same in the app or on the website. 
  5. Finally, open settings under the Money Move section. You will see your Chime routing number along with other account details under this section.

You might be interested in reading: Chime Stimulus Check.

Method To Find Chime Routing Number With Direct Deposit Enrollment Form 

Direct Deposit set up requires you to give your account number and your chime routing number to your employer who provides you payroll. More information is present on the mobile app or official website www.chime.com as well.

For setting up direct deposit with Chime Mobile app:

  1. First, open the Move Money section and click on the settings icon to see your chime account number and chime routing number and then send this information to your payroll provider.
  2. Now in the Move Money section, click on direct deposit, and then tap email me a pre-filled direct deposit form. This will send you the direct deposit form in the email. 
  3. Either you can forward the email to your payroll provider or employer or you can print the form copy and give him by hand. 

For direct deposits with a Chime Official website: 

  1. Click on the settings icon under the Move Money section to see and send the information. These would include chime routing number and account number to your employer or payroll provider. 
  2. In the same section, there will be an option for a direct deposit form. Click on the icon to print or download the form. 
  3. You can either give a hard copy or attach the downloaded form in the email to send to your employer. 
  4. If your employer asks for a bank address, you can give them the name and address of Chime’s FDIC member bank that hold your deposits. The address of the banks are as follows:
  • For Bancorp Bank, 6100 S Old Village Pl Sioux Falls, SD 57108
  • For Stride Bank N.A, 324 W Broadway Ave Enid, OK 73701

The Bottom Line

A Chime account is like a service provider to help you access banking services, a digital experience of funds transfer while being backed up by two partner banks including Stride Bank and Bancorp Bank giving deposit insurance up to $250 million. 

You can easily locate the routing number of your account by following the protocol discussed above. You would need this information to perform various tasks via Chime account.

Frequently Asked Questions

Is there a routing number for Chime?

Yes. Chime Routing Number can be found in the Money Move section or settings section in the Android or iPhone application. 

How do I know if my direct deposit is set up on Chime?

If transaction notifications are enabled on your account, you will receive the notification once you receive funds in your account. 

Does Chime have two different routing numbers?

It is possible that your chime account has two routing number. To find them you can use your Chime mobile app or visit www.Chime.com.