Banking · Retail bank
Chime: a US account held by two partner banks
US financial technology company, not a bank, whose accounts are held by The Bancorp Bank, N.A. or Stride Bank, N.A., both FDIC members. Reserved for US residents: this is not an account you can take abroad.
Please note
Characteristics
- Family
- Retail bank
- Regulator
- OCC / FDIC (banques partenaires)
- Regulator country
- United States
- Deposit guarantee
- Partly
- Remote opening
- Yes
- Currencies
- USD
- Services
- Current account · Payment card · Savings
- Accepted residencies
- United States
- Refused residencies
- Not provided
- Home country
- United States
Chime requires US residency and a minimum age that it sets, along with a name, date of birth, address and Social Security number. What happens to the account after a departure from the United States is not specified on the pages reviewed.
Entities and regulatory status
| Entity | Jurisdiction | Status | Regulator | Protection of funds |
|---|---|---|---|---|
| Chime Financial, Inc.groupFinancial technology company, not a bank and not insured by the FDIC, according to its help center and legal notices. | United States | Platforms and other set-ups | ||
| The Bancorp Bank, N.A.holds the accountPartner bank named by Chime as the provider of banking services, an FDIC member. National charter inferred from the "N.A." designation; FDIC BankFind record and certificate number not consulted. | United States | Brands backed by a partner bank | OCC / FDIC | FDIC |
| Stride Bank, N.A.holds the accountSecond partner bank named by Chime, an FDIC member. FDIC BankFind record and certificate number not consulted; the allocation of customers between the two banks is set out in the account agreement, which was not read. | United States | Brands backed by a partner bank | OCC / FDIC | FDIC |
Who can open or keep an account
| Country of residence | Case | Status | Conditions |
|---|---|---|---|
| United States | Opening | Accepted | US residency, minimum age, Social Security number and address required.chime.com |
| Any residence (general rule) | Opening | Refused | Non-residents of the United States: the US residency requirement rules out opening an account from abroad.chime.com |
| United States | Keeping after a move | Unknown | Keeping the account after moving outside the United States: rule not found. |
A country missing from this table is neither accepted nor refused: the information is not published.
Published figures
- Account feeNot provided
- Brokerage feeNot provided
- Deposit guarantee ceilingup to $250,000chime.com · Verified on Nov 2, 2026
- Entry ticketNot provided
Which entity, what status
Chime describes itself as a financial technology company rather than a bank: banking services are provided by The Bancorp Bank, N.A. or by Stride Bank, N.A., both FDIC members (Chime help center). Chime states that it is not itself insured by the FDIC. The status adopted here is therefore that of a brand backed by partner banks.
The records of the two banks in FDIC BankFind and with the OCC were not opened: the certificate numbers are therefore not included. The bank that holds a given account is stated in the account agreement, which was not read.
Who can open an account
Chime asks for a name, date of birth, address and Social Security number, and requires applicants to be US residents and at least figure being updated old ("What is Chime?" page). A non-resident therefore cannot open an account.
No published rule was found on keeping the account after a lasting move outside the United States.
Account, card and currencies
Checking account in US dollars, debit card and savings account, all managed from the app.
Fees, limits and conditions for using the card abroad: not found in a dated fee schedule.
Protection of funds
FDIC coverage applies per depositor, per insured bank and per ownership category, up to up to $250,0001. It protects against the failure of an insured bank, not against the failure of Chime; Chime states that certain conditions must be met for "pass-through" insurance to apply to the end customer.
Points to check
- The partner bank that holds the account, as stated in the agreement: any assets held elsewhere at that same bank are added together for the purposes of the limit.
- The departure plan: Chime targets US residents, so an account in the country of arrival should be planned.
- The conditions of pass-through insurance, which depend on the platform and the bank keeping proper records.
Sources and verification dates
- 1.
Deposit guarantee ceiling : $250,000
« FDIC deposit insurance limit is $250,000 per depositor, per insured bank, per ownership category. »
Chime Financial, Inc., « What is Chime? Is Chime a bank? »Verified on Nov 2, 2026Verified source