Chime, the popular fintech platform, doesn’t operate like traditional banks. This means no paper checks, and finding your routing number requires a slightly different approach. Your Chime routing number is crucial for direct deposit, bill payments, and payroll forms, but it’s surprisingly easy to locate.
Understanding Chime’s Banking Structure
Chime partners with established banks to provide services. This means your routing number will be either for The Bancorp Bank, N.A. (031101279) or Stride Bank, N.A. (103100195). Determining which one applies to you is the first step.
Locating Your Routing Number: Two Quick Methods
You can find your Chime routing number in two places:
- Within the Chime App or Website: Log in and navigate to the “Move Money” section. Your account and routing numbers are displayed there instantly.
- On Your Chime Debit Card: The partner bank is printed on the back of your Chime Visa® debit card.
Knowing which bank services your account is essential for avoiding direct deposit errors.
Routing Number vs. Account Number: What’s the Difference?
The routing number directs deposits to the correct bank (either The Bancorp Bank or Stride Bank). Your account number then specifies which individual account receives the funds. Both are required for direct deposit setup.
Setting Up Direct Deposit with Chime
Chime offers three convenient ways to set up direct deposit:
- Manual Submission: Provide your routing and account numbers to your employer via their payroll or HR forms.
- Pre-Filled Form: Chime can generate a completed direct deposit form for you. Download it from the website or app and share it with your employer.
- In-App Employer Search: If your employer participates, you can search for them directly within the Chime app and follow the on-screen instructions.
Additional Resources
If you encounter issues, Chime customer support is available at 844-244-6363. You can also initiate a chat via the question mark icon in the Chime app.
In conclusion, finding your Chime routing number is a straightforward process. Understanding the banking structure and utilizing the app or website makes it easy to ensure your direct deposits are processed smoothly.
