Is Chime a real bank?

Chime is not a bank — it's a fintech that partners with The Bancorp Bank, N.A. and Stride Bank, N.A. (both FDIC-insured). Your money is held by one of these banks.

Which Chime routing number do I use — 031101279 or 103100195?

Check the 'Move Money' or account-details screen in your Chime app. Bancorp accounts use 031101279; Stride Bank accounts use 103100195. Using the wrong one will cause direct deposits to fail.

Can I receive a wire transfer to Chime?

Yes, Chime accepts incoming domestic wires for free, but does not let you send outgoing wires. For outgoing wire transfers, use a different account — or use Anytime Capital, which sends wires and lets you convert to crypto instantly.

What is a routing number?

A routing number (also called an ABA routing number or RTN) is a nine-digit code that identifies a U.S. financial institution. It's used to route ACH transfers, direct deposits, wire transfers, and check payments to the correct bank.

Where do I find my routing number?

Your routing number is printed in the bottom-left corner of every check, listed in your online banking app under account details, and printed on monthly statements. Many banks also use a different routing number for wire transfers — always confirm which one you need.

Chime Routing Number

Updated August 2026

Routing number (All states (Bancorp accounts))

031101279

Select your state below to see other routing numbers.

Chime is a financial-technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. / Stride Bank, N.A..

Chime is a U.S. financial-technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., both Members FDIC. Your Chime routing number is determined by your sponsor bank — check the bottom of your Chime app's account-details screen.

Chime routing numbers by state

State / Region	Routing number	Copy routing number
All states (Bancorp accounts)	031101279
All states (Stride Bank accounts)	103100195

Chime wire transfer fees

Type	Fee
Outgoing wire	Not supported
Incoming domestic wire	Free

Fees subject to change. Confirm the latest schedule on Chime's website before sending.

How to find your Chime routing number

Your routing number is the 9-digit code in the bottom-left of every check. Your account number sits to the right of it.

• Look at the bottom-left of any check from Chime — the 9-digit number on the left.
• Log in to Chime's mobile app or online banking and open the account details screen.
• Check the top of any monthly statement.
• Call Chime customer service — but never share the number plus your full account details with anyone you don't trust.

Also asked about Chime

Does Chime allow crypto purchases?

Yes. Chime debit cards and ACH transfers all work for buying crypto at Anytime Capital, a licensed US money services business. Chime issues no credit card of its own, but any major credit card you hold is accepted here, as are Apple Pay and Google Pay.