Yes, Chime savings accounts have account numbers, and you'll need it for transfers and deposits

Your Chime savings account does have an account number. Chime assigns it when you open the account, and you can find it in the mobile app or by contacting Chime support. The account number is a nine-digit identifier that works like a traditional bank account number — you use it when you want someone to send money directly to your savings account, set up automatic transfers, or link it to another financial institution.

The account number is different from your Chime card number (the debit card that comes with your checking account). Your savings account number is what you share when you need direct deposit routing information or when you're moving money between accounts at different banks.

Key Takeaways

  • Your Chime savings account number is a nine-digit code you can find in the Chime app under account details or by calling Chime customer service.
  • The savings account number is separate from your debit card number and is used for transfers, direct deposits, and linking to other banks.
  • You will also need Chime's routing number (221180379 for ACH transfers) along with your account number to receive external transfers.
  • Chime does not charge fees to transfer money between your checking and savings accounts within the app.

Where to find your Chime savings account number

Open the Chime mobile app and tap on your savings account. Look for the account details or account information section — this is usually at the top of the screen or under a menu labeled "Account" or "Settings." Your nine-digit account number will be displayed there. You can also see your account number on any statements Chime sends you, though Chime primarily communicates through the app.

If you don't have the app or prefer to speak with someone, call Chime customer service at the number on the back of your debit card. A representative can read your account number to you over the phone. You can also use the in-app chat feature if you prefer not to call.

When you need your Chime savings account number

You need your account number when someone wants to send you money directly to your savings account through ACH transfer (the standard electronic transfer method used by employers, government agencies, and other banks). This includes setting up direct deposit of your paycheck or tax refund into savings instead of checking.

You also need it if you're linking your Chime savings account to another bank's app or service, or if you want to move money from an external account into Chime savings. When you provide your account number to someone else, always include Chime's routing number as well: 221180379. Both pieces of information are required for the transfer to reach the correct account.

The routing number you need alongside your account number

Chime's routing number for ACH transfers is 221180379. This is the same for all Chime customers and all Chime accounts (checking and savings). The routing number identifies Chime as the bank, while your account number identifies your specific account within Chime's system.

When you're setting up a transfer or direct deposit, you'll be asked for both pieces of information. If you only provide the account number without the routing number, the transfer will fail or be delayed. Write down both numbers together so you have them ready when you need them.

Transferring money between your Chime checking and savings

You don't need your account number to move money between your own Chime checking and savings accounts — the app handles this automatically. Open the Chime app, select the account you want to transfer from, and choose "Transfer" or "Move Money." Select your other Chime account as the destination and enter the amount. The transfer is usually instant and costs nothing.

This is different from receiving money from an external source (like your employer or another bank), which does require your account number and routing number. Internal transfers within Chime are simpler because the app already knows both your accounts.

Security and protecting your account number

Your Chime account number is not as sensitive as your PIN or password, but you should still treat it with reasonable care. It's safe to share your account number and routing number with your employer for direct deposit, with the IRS for tax refunds, or with trusted financial institutions. However, don't post it publicly or share it with people you don't know.

If you're concerned that your account number has been compromised or if you notice unauthorized transfers, contact Chime immediately through the app or by calling the number on your debit card. Chime can monitor your account and reverse fraudulent transfers if they occur.

Frequently Asked Questions

Is my Chime savings account number the same as my checking account number?

No. Each Chime account (checking and savings) has its own separate nine-digit account number. You use the savings account number when you want money to go into savings, and the checking account number when you want it to go into checking. Both use the same routing number (221180379).

Can I change my Chime savings account number?

No. Your account number is assigned when you open the account and does not change. If you close your Chime savings account and open a new one, you will receive a new account number, but you cannot request a different number for an existing account.

What if I give someone the wrong account number?

If the wrong account number belongs to another Chime customer, the transfer will likely be rejected or delayed because the routing and account number combination won't match. If it belongs to someone outside Chime, the transfer will fail. Contact the person sending the money and provide the correct account number so they can try again.

Do I need my account number to use my Chime debit card?

No. Your debit card number is different from your account number. You use your card number for purchases and online payments. Your account number is only needed for transfers, direct deposits, and linking accounts between banks.