Yes, Chime savings accounts have account numbers, but they work differently than traditional banks
Chime savings accounts do have account numbers. You can find yours in the Chime mobile app under Account Details, or by contacting Chime support. However, the number functions differently than at a traditional bank — it is tied to your Chime checking account rather than standing alone as a separate account.
When you open a Chime savings account, the system assigns you a single routing number and checking account number. Your savings sits in a separate ledger within that same account structure. This means you cannot use a distinct savings account number to receive direct deposits or wire transfers the way you would at another bank. Money moves between your checking and savings through the Chime app, not through separate account numbers.
This design matters if you are trying to set up automatic transfers from another bank, or if you need to give someone your savings account details for a payment. The answer in both cases is that you will use your Chime checking account number, not a separate savings number.
Key Takeaways
- Chime savings accounts have account numbers visible in the app, but they are not used for external transfers or deposits.
- Your Chime checking account number is what you provide to employers, other banks, or anyone sending you money — not your savings number.
- Transfers between your Chime checking and savings happen only through the Chime app, using the internal account structure.
- If you need your account number for a specific transaction, check the app first; if it does not work for what you are trying to do, contact Chime support to confirm the correct routing and account number to use.
Where to locate your Chime savings account number
Open the Chime mobile app and tap on your savings account tile. Select "Account Details" or the settings icon — the exact label varies slightly depending on your app version. The account number appears on that screen, usually near your routing number and account type.
If you prefer not to use the app, you can call Chime customer support and provide your identity verification. They will read your account number to you over the phone. You can also log into the Chime website on a computer and navigate to Account Details, though the mobile app is the fastest route for most people.
Write down or screenshot the number if you need it for reference, but remember that this number is primarily for your own records. It is not the number you use when setting up external transfers or receiving deposits from outside sources.
Why Chime savings account numbers do not work for external transfers
Chime operates as an online bank with a simplified account structure. Rather than maintaining separate banking relationships for checking and savings, the system treats them as two buckets within a single account. This reduces complexity and fees, but it also means the savings account number is not registered with the Federal Reserve or other payment networks the way a traditional bank account number would be.
When you want to move money into your Chime savings from another bank, you initiate the transfer from the other bank's side, using your Chime checking account number and routing number. Chime then routes that deposit into whichever account you specify in the Chime app — checking or savings. The savings account number itself never appears in that transaction.
This is different from banks like Wells Fargo or Bank of America, where each savings account has its own routing and account number that can receive transfers independently. Chime chose a different technical approach, which is why the savings number exists for identification purposes but not for moving money in or out.
How to transfer money between Chime checking and savings
All transfers between your Chime checking and savings happen inside the app. Tap on either account, then look for a "Transfer" or "Move Money" button. Select the amount, choose which direction the money moves, and confirm. The transfer is usually when ready.
You can also set up automatic transfers on a schedule — for example, moving $50 from checking to savings every payday. This happens without any account numbers changing hands; Chime handles it internally based on your instructions in the app.
If you are trying to move money from a completely different bank into your Chime savings, initiate the transfer from that other bank's app or website. Use your Chime checking account number and routing number. Once the money lands in your Chime checking account, transfer it to savings through the Chime app if you want it to sit in savings rather than checking.
What to do if you need your account number for a specific purpose
Before you give out your Chime account number, confirm what it will be used for. If someone is asking for your savings account number specifically — a payroll department, a government agency, or another financial institution — tell them you have a Chime savings account and ask whether they need your checking account number instead, since that is what receives external deposits.
Some organizations may not be familiar with how Chime structures its accounts. In that case, contact Chime support with the name and contact information of the organization requesting the number. Chime can advise you on which number to provide and may even contact the organization directly to clarify the routing.
If you are setting up a direct deposit specifically to your savings account, note that Chime does not support this through the standard payroll process. You will receive the deposit in checking, then move it to savings yourself through the app. This is a limitation of how Chime's account structure works, not a problem with your account number.
Chime account numbers and security
Your Chime account number is not secret in the way your password is. You can safely share it with employers, other banks, and trusted organizations — it is designed to be shared so people can send you money. Sharing your account number alone does not let someone withdraw funds or access your account.
What you should protect is your login credentials (username and password) and your PIN. These are what actually control your account. Your account number is more like your mailing address — useful for receiving things, but not a key to your account.
If you are concerned that your account number has been compromised or used fraudulently, contact Chime support. They can review recent transactions and help you find your account if needed.
Frequently Asked Questions
Can I give my Chime savings account number to my employer for direct deposit?
No. Your employer needs your Chime checking account number and routing number. If you provide your savings account number, the deposit will likely fail or be rejected. After the deposit lands in checking, you can move it to savings through the app yourself.
Is my Chime savings account number the same as my checking account number?
No, they are different numbers. However, both are tied to the same routing number and the same underlying account. For external transfers and deposits, you use the checking number. The savings number is for internal identification only.
What if I forgot my Chime account number?
Open the Chime app and go to Account Details under your savings account. If you cannot access the app, call Chime customer support. They will verify your identity and provide the number. You can also take a screenshot or photo of the Account Details screen for future reference.
Can I use my Chime savings account number to receive a wire transfer?
No. Wire transfers to Chime use your checking account number and routing number. If you provide your savings account number, the wire will not go through. Contact the sender and give them your checking account details instead.
Does Chime have a different routing number for savings?
No. Chime uses one routing number for both checking and savings. When you set up any external transfer, you provide that single routing number along with your checking account number, and you specify in the Chime app whether the money should land in checking or savings.