You can find your Chime routing and account information in the Move Money section or under the Settings section in your iPhone or Android app.

Banking Services provided by The Bancorp Bank, Member FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

Simply provide your Chime routing and account number to your employer or payroll provider to receive direct deposit to your Chime Spending Account. Your routing number can be found in the Move Money and Settings sections of the Chime app or at You can also have a direct deposit enrollment form emailed to you from the Move Money section of the Chime app.

Early direct deposit may provide you with access to your paycheck up to two days early. Faster access to funds is based on a comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically.

You can link an external account you own to your Chime Spending Account by logging into the Chime app or online at From the app, go to Settings, tap “Link a Bank Account”, choose from one of the banks listed and enter your other bank’s login credentials.

To link an external bank account online, log in to, select Move Money, click the Transfers button and select Transfer Funds. Click the drop-down arrow in the FROM field, then click LINK ANOTHER BANK ACCOUNT and select from one of the banks listed (see below for a list of supported banks).

You will then be prompted to enter your other bank’s login credentials. Once the external account is linked, you can make transfers from the external account to your Spending Account of up to $200.00 per day and $1,000.00 per month. Transferred funds will be available within 5 business days.

We support the following banks: Chase, Bank of America, Wells Fargo, Citi, US Bank, USAA, Fidelity, PNC Bank, Capital One 360, TD Bank, SunTrust, Navy Federal & Charles Schwab. We hope to add others in the near future!

Bank Transfer Initiated from an External Account: Many banks will allow you to make transfers from their website. If you have an external bank that offers this service, just log in to their website and add your Chime Spending Account using the routing and account numbers you would use for direct deposit.

Mobile Check Deposit

Chime offers Mobile Check Deposit for any members who are enrolled in direct deposit with their Chime Spending Account. If you have any questions, please reach out to us via the Support tab in your Chime app, and we’ll be happy to help.

How do I deposit money into my account?
Banking Services provided by The Bancorp Bank, Member FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

The easiest way to deposit funds to your Spending Account is by direct deposit from your employer.

To make direct deposits through your employer or payroll provider, provide them with your Chime routing number and Spending Account number. Chime takes care of the rest.

Your funds will automatically post to your Chime Spending Account as soon as we receive them. To get started, you can find your bank routing number and Spending Account number in the Chime app sections, Move Money and Settings, or by logging in to your account online.

THE BANCORP BANK has 2 active routing numbers. Routing numbers consist of a nine-digit numeric code printed on the bottom of checks that is required for electronic routing of funds (such as direct deposits, domestic and international wire transfers, electronic payments, automatic payments, ACH transfers) from one bank account to another.

The easiest way to find your routing number is to look at your bank checks. It’s easy to find the bank’s ABA routing number and your account number as shown in the example check image below. The image is only for reference purposes. In some cases the order of the checking account number and check serial number is reversed.

Use the “Search” box to filter by city, state, address, routing number. Click on the routing number link in the table below to navigate to it and see all the information about it (address, telephone number, zip code, etc.)

The routing / transit number can also be identified from the translation table below. Select / Identify the routing number associated with the region where the account was initially opened.

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How to pay for college Career guide How much does a wedding cost? Parenting money tips Financial guide for moving Planning a vacation Travel smarter with rewards Ask the community. Banking , Banking Basics , Banks & Credit Unions , Checking Accounts , Savings Accounts. At NerdWallet, we adhere to strict standards of editorial integrity to help you make decisions with confidence. Many or all of the products featured here are from our partners. Here’s how we make money . Member, FDIC. Chime is a mobile-only bank, so it’s not like your traditional neighborhood branch. But it still has all the fundamentals and, with FDIC insurance, it’s a safe place to keep your money. It has a “spending” account, as well as a savings account. When you buy something with your bank card, you can have Chime round up the amount to the nearest dollar and deposit the difference in savings. Chime has no monthly fees or overdraft fees, but its interest rate is low. And checks and cash can be difficult to deposit.

Best if: You’re looking for free checking and savings that you can set to autopilot. More upsides:. No foreign transaction fees: This fee (at other banks, typically 1% to 3% of the amount of your purchase) can add up quickly when shopping or withdrawing money from ATMs while you’re overseas.

Get a jump on payday: You can receive your paycheck up to two days earlier than at a traditional bank if you set up direct deposit — Chime processes your employer’s check immediately instead of waiting like other banks may.

Here are some downsides:
Out-of-network ATM fee: Chime charges $2.50 per transaction.

Depositing checks, cash can be a pain: Though mobile check deposit is available, putting cash into your Chime account will require you to go to Green Dot cash deposit locations. Green Dot may charge a fee.

No checks: If you need to send a check, Chime will send one on your behalf through its Checkbook feature. There’s no limit on how many checks you can send, but you’re limited to $5,000 per payment and $10,000 in a calendar month. Your account must be open for at least 30 days to be able to use the feature. 2.5 NerdWallet rating.

Chime’s savings account is one of its top draws, although it suffers in our rating because of one major drawback. The upside: Easy ways to save.

Easy ways to save:
Chime rounds up every purchase on your Chime card to the nearest dollar and deposits that difference into your savings account. Or, have the bank automatically transfer 10% from your paycheck into your savings account. Both features are optional.

The downside: Low rate.

The savings account’s star rating is dragged down because of its low interest — an annual percentage yield of 0.01%. The upside: No overdraft fees.

Chime doesn’t allow overdrafts. If you don’t have the funds, transactions will likely be declined except in some instances, such as when you pay for gas at the pump.

The downside: No overdraft line of credit. Sometimes it helps if you can dip a little in the negative and pay the bank back with interest if it means making important payments. Chime currently does not offer this service.

The upsides: Tools put you in control. Highly rated apps: Chime’s mobile app excels where it counts — customers have rated the iOS version 4.7 stars out of 5 and given 4.4 stars, also out of 5, for the Android app.

Helps you stay on top of your money: Daily balance updates and real-time transaction alerts can help customers stay on top of their spending. And if your card goes missing, you can block transactions using the Chime app.

Second chance banking: On top of its low fees, Chime doesn’t use some screening tools that can lock people out of bank accounts who’ve had them closed in the past. That can make it a useful tool if you’re trying to restart your financial life. The downside: No branches. Chime is a mobile-only bank. Customer service, however, is available via chat in the app, by telephone or via email.

Ready to take the next step? No monthly fees, no transaction fees and no overdraft fees make banking with Chime easy. Compare it to similar banks such as Simple (see our review ) or Moven (see our review ) to find which one fits your needs best, or click below to get more information.

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NerdWallet’s overall ratings for banks and credit unions are weighted averages of several categories: checking, savings, certificates of deposit or credit union share certificates, bank experience and overdraft fees. Factors we consider, depending on the category, include rates and fees, ATM and branch access, account features and limits, user-facing technology, customer service and innovation.

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