No customer-funds hack in our sourced record for Chime. Deposits: Not a bank; pass-through FDIC via The Bancorp Bank, N.A. and Stride Bank, N.A. (plus program banks for savings), up to $250,000 per depositor per ownership category. Regulatory actions in the last 5 years on record: 2.
Data as of · Last updated · By VaultRubric Research · How we score · Not investment advice.
No customer-funds hack in our sourced record for Chime. Deposits: Not a bank; pass-through FDIC via The Bancorp Bank, N.A. and Stride Bank, N.A. (plus program banks for savings), up to $250,000 per depositor per ownership category. Regulatory actions in the last 5 years on record: 2.
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This page answers “Is Chime safe?” only from VaultRubric's sourced record (security incidents, regulatory actions, licensing and protections), as of 2026-10-12. It is not a guarantee: no platform is risk-free, and safety also depends on how you use it (2FA, phishing, backups).
Regulatory record: 6.0/10. Base 10, −2 California DFPI 2024-02-01, −2 CFPB 2024-05-07. Note: Checked 2026-10-11: CFPB, state regulators (DFPI). Added California DFPI 2024; no 2025–2026 actions found. (Nebraska 2024 $5K consent agreement involved Chime Capital, LLC, a lending affiliate — not counted.)
Overall VaultRubric score across all high-yield savings options we track: 72.8% (data coverage 100%). How incidents are scored · hack cap.
Checked 2026-10-11: CFPB, state regulators (DFPI). Added California DFPI 2024; no 2025–2026 actions found. (Nebraska 2024 $5K consent agreement involved Chime Capital, LLC, a lending affiliate — not counted.)
No customer-funds hack in our sourced record for Chime. Deposits: Not a bank; pass-through FDIC via The Bancorp Bank, N.A. and Stride Bank, N.A. (plus program banks for savings), up to $250,000 per depositor per ownership category. Regulatory actions in the last 5 years on record: 2. No platform is risk-free; see the full record on this page.
Our record tracks regulatory actions and outages for banks and brokers rather than hacks; no customer-funds hack is recorded for Chime.
No customer-funds hack in our sourced record for Chime. Deposits: Not a bank; pass-through FDIC via The Bancorp Bank, N.A. and Stride Bank, N.A. (plus program banks for savings), up to $250,000 per depositor per ownership category.
Chime scores 72.8% across all high-yield savings options we track, with 100% data coverage. See /methodology.