What bank is Chime linked with?
Chime operates as a financial technology company rather than a traditional chartered bank, partnering with fully regulated FDIC-insured institutions to provide its banking services. Chime's deposit accounts, checking portfolios, and debit cards are issued and managed by its partner banks, specifically The Bancorp Bank, N.A. and Stride Bank, N.A. These partner institutions hold user deposits securely, ensuring that customers receive federal deposit insurance protection up to applicable limits while leveraging Chime's intuitive mobile application and fee-free digital banking ecosystem.
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