Chime's official bank name for wire transfers and direct deposits
When you need to send money to your Chime account via wire transfer or direct deposit, use Chime Financial, Inc. as the bank name. This is the legal entity that holds your account and processes incoming transfers.
Chime Financial, Inc. is a financial technology company that operates as a bank service provider. Your Chime debit card and checking account are issued through this entity, and it is the name that appears on official banking documents and in the banking system itself.
If you are setting up a direct deposit from an employer or government agency, you will typically provide your routing number and account number rather than typing the bank name manually. The employer's payroll system will already have Chime Financial, Inc. in its database. For wire transfers initiated through another bank, you may need to enter the bank name, routing number, and your account number into a form.
Key Takeaways
- The official bank name for Chime accounts is Chime Financial, Inc., and this is what you enter when setting up direct deposits or wire transfers.
- Most direct deposit setups do not require you to type the bank name—your employer's payroll system will have it on file already.
- Your routing number and account number are the critical pieces of information; the bank name is secondary and mainly used for verification.
- Chime Financial, Inc. is the legal entity that holds your funds, not a separate company or third party.
When you need the bank name for a wire transfer
Wire transfers are the scenario where you are most likely to need to enter the bank name manually. If you are sending money from another bank to your Chime account, that bank's wire transfer form will ask for the receiving bank's name, routing number, and your account number.
Enter Chime Financial, Inc. in the bank name field. The routing number for Chime is 221180379 for ACH transfers and direct deposits. For wire transfers, the routing number may differ depending on which Federal Reserve district processes the transfer, so confirm with Chime support before initiating a large wire.
Wire transfers typically arrive within one business day, though the sending bank may take an additional day to process the outgoing transfer on their end. Chime does not charge a fee to receive wire transfers.
Direct deposit and payroll setup
When you set up direct deposit with your employer, you will provide your Chime account number and routing number. The payroll department or their processing company will enter this information into their system, which already contains Chime Financial, Inc. as a banking option.
You do not need to type the bank name yourself in most cases. Your employer's payroll system has a dropdown menu or database of banks, and Chime Financial, Inc. will be listed there. If you are asked to enter the bank name manually, use the full legal name: Chime Financial, Inc.
Government benefits such as Social Security, unemployment insurance, and tax refunds can also be deposited directly to your Chime account using the same account and routing number. The agency processing the payment will have Chime in their system as well.
What to do if a form does not recognize Chime Financial, Inc.
Some older payroll systems or third-party payment processors may not have Chime in their database. If you encounter a form that does not recognize the bank name, contact Chime support and ask for the specific routing number and bank name format that particular processor requires.
Chime may provide an alternative name or additional routing number for compatibility with legacy systems. Do not guess or use a shortened version like "Chime Bank"—use only the information Chime support gives you, because an incorrect bank name can cause the transfer to fail or be delayed.
If the form allows you to search by routing number instead of bank name, enter 221180379 and the system should populate Chime Financial, Inc. automatically.
Chime Financial, Inc. versus other names you might see
You may see other names associated with Chime accounts, such as "The Bancorp Bank" or "Stride Bank." These are partner banks that Chime uses behind the scenes to hold deposits and process transactions. However, when you are sending money to your account, you should always use Chime Financial, Inc. as the receiving bank name.
The partner banks are part of Chime's infrastructure but are not the name you enter on transfer forms. Using a partner bank name instead of Chime Financial, Inc. can cause confusion or routing errors, even if the transfer eventually reaches your account.
Frequently Asked Questions
Can I use "Chime Bank" instead of "Chime Financial, Inc."?
No. The official legal name is Chime Financial, Inc., and that is what banking systems recognize. Using "Chime Bank" or other shortened versions may cause the transfer to fail or be rejected by the receiving system.
What is the routing number for Chime?
The routing number for ACH transfers and direct deposits is 221180379. Wire transfer routing numbers may vary by Federal Reserve district, so confirm with Chime support before sending a wire transfer.
Do I need to provide the bank name if I already have my account and routing number?
Most modern payroll and payment systems do not require the bank name if you provide the routing number and account number. The system will look up the bank automatically. However, some forms ask for all three pieces of information for verification purposes.
What happens if I enter the wrong bank name?
The transfer may be rejected, delayed, or routed to the wrong account. If this happens, contact the sending bank and ask them to cancel the transfer and resubmit it with the correct bank name: Chime Financial, Inc.
Is Chime Financial, Inc. a real bank?
Chime Financial, Inc. is a financial technology company that provides banking services. Your deposits are held and insured through partner banks, but Chime Financial, Inc. is the entity that manages your account and processes transactions.