
Chime Stride Bank is a digital banking service that offers a range of features similar to those of a traditional bank account.
The service is provided by Chime, a fintech company that has partnered with Stride Bank, a national bank based in Salt Lake City, Utah.
Chime Stride Bank accounts are FDIC-insured, which means deposits are insured up to $250,000.
You can use a Chime Stride Bank account to receive direct deposits, pay bills, and even get a debit card.
Chime Stride Bank accounts are also mobile-only, meaning you can only access your account through the Chime mobile app or website.
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What Is Stride Bank?
Stride Bank is a financial institution that has a partnership with Chime Financial, a US-based financial technology company. Stride Bank is a key banking partner for Chime.
Stride Bank holds Chime member deposit accounts, including checking and savings accounts, and issues debit cards and secured credit cards. Stride Bank is responsible for providing consumer protections for Chime members.
Stride Bank is a bank that offers private-label banking services to companies like Chime. Stride Bank's partnership with Chime allows Chime to offer its members fully regulated products with the same consumer protections as traditional bank customers.
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Banking Details
Chime is not a traditional bank, but rather a financial technology platform that provides banking services through partnerships with institutions like The Bancorp Bank and Stride Bank.
The actual banking operations of Chime accounts are conducted by its partner banks, including Stride Bank, which holds Chime member deposit accounts.
Stride Bank's routing number is 103100195, and it issues debit cards and secured credit cards for Chime members, providing them with fully regulated products and consumer protections, including FDIC insurance.
Is an Actual Bank Account?
Chime is not a traditional bank, but a financial technology platform that provides banking services through partnerships with institutions.
The actual banking operations of Chime are conducted by its partner banks, such as The Bancorp Bank and Stride Bank.
This means that while Chime offers traditional banking services like checking and savings accounts, it doesn't have direct control over the banking operations.
For example, The Bancorp Bank and Stride Bank are responsible for handling transactions, managing accounts, and providing other banking services on behalf of Chime.
Bank Details

Chime works with two partner banks, The Bancorp Bank and Stride Bank, to handle banking services for its customers.
The Bancorp Bank's address is 6100 S Old Village Pl, Sioux Falls, SD 57108. Stride Bank's address is 324 W Broadway Ave, Enid, OK 73701.
Chime is not a traditional bank, but a financial technology platform that provides banking services through its partnerships with The Bancorp Bank and Stride Bank.
Partnerships and Expansions
Stride Bank has extended its partnership with Chime Financial, reaffirming its position as a key banking partner. This means that Stride Bank will continue to hold Chime member deposit accounts, including checking and savings accounts.
The partnership enables Chime to offer its members innovative, easy-to-use, and fully regulated banking products, with the same consumer protections as traditional bank customers. This includes Federal Deposit Insurance Corp. insurance.
As part of the agreement, Stride Bank will issue debit cards and secured credit cards to Chime members. This will allow Chime to offer a wider range of financial products to its customers.
Chime is proud to partner with Stride Bank, citing the importance of providing consumers with both innovation and consumer protection.
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Using Stride Bank

Stride Bank holds Chime member deposit accounts, including checking and savings accounts, and issues debit cards and secured credit cards.
You can rest assured that these accounts are fully regulated and come with the same consumer protections as traditional bank customers, including Federal Deposit Insurance Corp. insurance.
Stride Bank's partnership with Chime enables the latter to offer its members innovative, easy-to-use banking products that are loved by millions of Americans.
Using the App
You can set up direct deposit with Stride Bank by launching the app and going to "Move Money." Tap on "Set up direct deposit" to get started.
You can either search for your employer from a list of over 30,000 supported employers or enter your account details manually if your employer isn't listed.
Early Access to Funds
Stride Bank offers a feature that gets you paid up to two days earlier than traditional banks. This means you can access your paycheck almost immediately after your employer processes payroll.
With Stride Bank, you can have access to your funds sooner, which is a game-changer for people who live paycheck to paycheck.
Convenience and Features
Direct deposit eliminates the need for physical checks and trips to the bank, streamlining the process of accessing your funds.
With Chime, you can enjoy automatic paycheck deposits into your account, making it easy to manage your finances.
Chime's direct deposit feature allows your paycheck to be deposited into your account, eliminating the need for physical checks.
This means you can access your money as soon as it's deposited, without having to wait for a check to clear or visit the bank.
Chime's account is designed to make managing your finances as easy as possible, with features that save you time and hassle.
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Routing Numbers and Banking
Chime's banking services are provided through partnerships with two banks, The Bancorp Bank and Stride Bank. The Bancorp Bank's address is 6100 S Old Village Pl, Sioux Falls, SD 57108, while Stride Bank's address is 324 W Broadway Ave, Enid, OK 73701.
You can find your Chime account number and routing number in the "Move Money" section of the Chime app. The routing number identifies which partner bank holds your account: The Bancorp Bank (031101279) or Stride Bank (103100195).
A different take: Chime Bank Routing Number

The Chime routing number is different for everyone, as it depends on which bank is associated with your Chime account. If you have an account serviced by Bancorp Bank, your routing number will be 031101279, and if your account is with Stride Bank, your routing number will be 103100195.
Is the Routing Number the Same?
The routing number is not a one-size-fits-all solution, especially when it comes to Chime accounts. Chime operates through partnerships with two banks: Bancorp Bank and Stride Bank, N.A.
Your Chime routing number will depend on which bank is associated with your account. If you have an account serviced by Bancorp Bank, your routing number will be 031101279.
Conversely, if your account is with Stride Bank, your routing number will be 103100195. This distinction is crucial for any transactions involving your Chime account.
To determine which bank services your Chime account, you can easily check this information by logging into your Chime app or online portal.
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Find Your Routing Number

Finding your routing number is a crucial step in managing your banking transactions. You can locate it within the "Move Money" area of your account.
Your Chime account is provided by either The Bancorp Bank or Stride Bank, and your routing number is unique to the provider of your account. This means you'll need to find the correct routing number for your specific account.
To find your routing number, simply navigate to the "Move Money" area of your account. Your routing number will be listed alongside your account number.
The Bancorp Bank's address is 6100 S Old Village Pl, Sioux Falls, SD 57108, and Stride Bank's address is 324 W Broadway Ave, Enid, OK 73701. Keep these addresses handy if you need to verify your account information.
Your Chime account is a financial technology product, not a traditional bank account. This means you'll use the name of the partner bank servicing your account when making transactions or setting up direct deposits.
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Frequently Asked Questions
Are Chime and Stride Bank the same?
No, Chime and Stride Bank are not the same, but Chime partners with Stride Bank to provide fee-free mobile banking services. Chime also partners with The Bancorp Bank to offer its banking services.
What bank owns Chime?
Chime's banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., both of which are FDIC-insured banks.
Does stride work with Chime?
Yes, Stride Bank works with Chime's Credit Builder. Stride also offers other partner cards, including DasherDirect and Lyft Direct.
Sources
- https://www.enidnews.com/news/updated-stride-bank-benefits-from-partnership-with-chime/article_32fde190-7466-11ef-8dad-b3140cb8858e.html
- https://www.globenewswire.com/news-release/2023/01/11/2587360/0/en/Stride-Bank-Extends-Partnership-With-Chime.html
- https://journalrecord.com/2023/01/17/stride-bank-extends-partnership-with-chime/
- https://www.linkedin.com/pulse/chime-routing-number-everything-you-should-know-issiak-balogun-o1duf
- https://chimeappdownload.com/is-chime-a-bank/
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