Chime: who holds your money
Chime Financial, Inc.
Chime is not a bank. Chime says customer money is held at The Bancorp Bank, National Association and Stride Bank, National Association, with insurance reaching customers as pass-through FDIC insurance at the partner bank, subject to the app's recordkeeping. We read this information in the app's own public disclosure on September 5, 2026, and this page quotes that disclosure below. You can check each partner bank's own page on this site.
Chime is not a chartered bank, and customer money sits at 2 partner banks. Those banks are The Bancorp Bank, National Association, grade B, and Stride Bank, National Association, grade B on this site. Deposit insurance passes through the partner bank to each customer, provided Chime’s records identify each customer. The stated limit, from Chime’s disclosure read September 5, 2026, is $250,000 per depositor, per insured bank, for each account ownership category.
Partner banks
- The Bancorp Bank, National AssociationFDIC #35444 · program bank2.8%above the insured limitB70.9
- Stride Bank, National AssociationFDIC #4091 · program bank6.2%above the insured limitB76.6
The figure is the share of total bank deposits above the $250,000 federal insurance limit, reported quarterly to the FDIC. High shares are normal for banks holding large app program balances. They do not mean your balance is uninsured: pass-through insurance usually covers customers individually at the partner bank. Across US banks in 2022 to 2026, those above roughly 36% saw large quarterly total deposit declines more often than those below. Most banks above that level saw no such fall. This measures deposit movement and does not predict trouble for any bank.
Disclosure
Chime® is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. Chime is not FDIC-insured. The Bancorp Bank, N.A. and Stride Bank, N.A. are the FDIC-insured members. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.
www.chime.com · as of September 5, 2026
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