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Chime Sanctions Status, Partner Bank Risk & Vendor Assessment

Before you share customer data with Chime, your compliance team needs documented proof they can be trusted. ThirdProof investigated Chime across 27 intelligence sources — here's what we found.

Risk Tier
Not yet assessed
SOC 2
— Not Found
FedRAMP
— Not Authorized
Last Assessed
—

27 sources checked. Every investigation delivers two audit-ready artifacts: a risk report and an auto-filled security questionnaire — built from independent evidence, not vendor self-attestation.

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No credit card|Risk report + auto-filled questionnaire|SOC 2 CC9.2 ready

Certification & Compliance Status

Need a complete vendor security questionnaire?

Run a full ThirdProof investigation to get 133 security questions auto-filled with source evidence — ready for your next audit or vendor onboarding review.

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◇27 data sources queried per assessment
◷Reports generated in an average of 7 minutes
◈SHA-256 verified for audit integrity
✓Deterministic risk scoring — no AI guesswork
183+
Vendors assessed
98%
Average confidence
<2 min
Time to report

Intelligence Sources Queried for Chime

✓Sanctions & Watchlists
✓Business Registration
✓Adverse Media Scan
✓Company Intelligence
✓Domain Analysis
✓Infrastructure Exposure
✓Domain Registration
✓Threat Intelligence
✓Tech Community Sentiment
✓HTTP Security Scan
✓SSL/TLS Analysis
✓Certificate Transparency
✓Web Archive History
✓Threat Intel (OTX)
✓IP Reputation
✓Malware & Phishing Check
✓Website Security Scan
✓Trust & Compliance Scan
✓Subprocessor Discovery
✓FDIC Registry Check
✓SEC Filing Search
✓Historical Media Search
✓Certification Registry

ThirdProof uses a deterministic rules engine to assign risk tiers. AI writes the narrative — rules drive the decision.

What a ThirdProof assessment covers↓

Sanctions Screening

Is Chime on any OFAC, EU, or UN sanctions list? Are any officers or affiliates flagged?

Cyber Risk Assessment

What is Chime's security posture? Threat intelligence scanning, known vulnerabilities, and security header analysis.

Business Registration

Is Chime a legitimately registered business entity? Corporate status, jurisdiction, and officer verification.

Adverse Media Analysis

Has Chime appeared in negative news coverage? Data breaches, lawsuits, regulatory actions, and complaints.

Domain & Infrastructure

Is Chime's website secure? TLS configuration, DNS hygiene, security headers, and domain age analysis.

Company Intelligence

What are Chime's firmographics? Employee count, industry classification, technology stack, and corporate structure.

Trust & Compliance Verification

Does Chime claim SOC 2, ISO 27001, HITRUST, or FedRAMP? ThirdProof scans trust pages for certification claims and cross-references the FedRAMP public registry for independent verification.

Supply Chain & Subprocessor Discovery

Who does Chime depend on? ThirdProof discovers subprocessors from vendor-published pages and runs sanctions screening and safe browsing checks against each one.

Regulatory & Financial Filings

Has Chime appeared in SEC enforcement filings? Is it associated with any FDIC bank failures? ThirdProof searches regulatory databases with entity verification to confirm attribution.

Full methodology, rule engine, and AI disclosure: /methodology

Chime Partner Bank Model & Risk Context

Chime is a consumer neobank — not a chartered bank. Banking services are provided through The Bancorp Bank, N.A. and Stride Bank, N.A., both FDIC-insured institutions regulated by the OCC. Chime itself operates as a financial technology company and is not directly subject to bank-level federal regulation. Organizations evaluating Chime as a vendor should assess both Chime's technology security controls and the regulatory standing of its partner banks. This dual assessment is essential for accurate vendor risk documentation.

Chime Security & Compliance Posture

ThirdProof investigated Chime across 27 intelligence sources and assigned a Moderate Risk (Tier 3) rating with 90% confidence. Sanctions screening returned clear with no OFAC, EU, or UN matches. Chime's partner banks provide FDIC deposit insurance. Organizations evaluating Chime for employee payroll, benefits, or financial wellness programs should request Chime's SOC 2 report and assess data protection controls for the employee PII and financial data Chime processes.

Evaluate Chime for Your Vendor Program

Your first 5 Chime assessments are free — no credit card, no vendor participation required. ThirdProof queries 27 intelligence sources autonomously: OFAC SDN screening, FDIC partner bank verification, business registration, adverse media analysis, cyber risk scoring, and more. Results are delivered in an average of 7 minutes in a format ready for SOC 2 CC9.2 and financial services vendor due diligence packages.

Seeing this in an audit? ThirdProof lets you investigate Chime and every other vendor in your stack — average report time: 7 minutes. Get Chime's Full Report Free →

Frequently asked about Chime

Is Chime a bank?+
Chime is not a bank. Chime is a financial technology company that provides banking services through The Bancorp Bank, N.A. and Stride Bank, N.A. Deposits are held at the partner banks and are FDIC insured through those institutions — not through Chime. This distinction is critical for vendor risk assessments and should be documented in your vendor risk register.
Is Chime OFAC sanctioned?+
ThirdProof's assessment screened Chime against the OFAC SDN list, sectoral sanctions programs, and the OpenSanctions consolidated database. Chime is not sanctioned — no confirmed matches were found. Chime's partner banks maintain their own independent sanctions compliance programs as federally regulated institutions.
Is Chime safe for payroll direct deposit?+
ThirdProof investigated Chime across 27 intelligence sources and assigned a Moderate Risk (Tier 3) rating with 90% confidence. Sanctions screening is clear and deposits are FDIC insured through Chime's partner banks. Organizations routing employee payroll through Chime should verify that Chime's data security controls meet your requirements for handling employee PII and banking information. Request Chime's SOC 2 report for technology controls verification.
Can I get an auto-filled security questionnaire for Chime?+
Yes. Every ThirdProof investigation of Chime produces two deliverables: an audit-ready risk report and a 133-question security questionnaire pre-filled with evidence from 27 independent sources. The questionnaire is mapped to SIG, SOC 2, HIPAA, PCI DSS and 9 other frameworks — answered without sending Chime a single email or waiting for a vendor response.
Is Chime safe to use as a vendor?+
Chime is a banking vendor that handles consumer financial and deposit data. Safety depends on their current security posture, certification status, and how they handle your specific data. ThirdProof automates this evaluation across 27 intelligence sources — sanctions databases (OFAC, EU, UN), business registration verification, adverse media scanning, and cyber risk assessment — producing a deterministic risk tier with confidence score plus an auto-filled security questionnaire. Run a free investigation to see Chime's full risk profile.
Does Chime have SOC 2 certification?+
No SOC 2 found. Chime rated . See all 0 findings →
Is Chime FedRAMP authorized?+
FedRAMP authorization is relevant for government contractors evaluating banking platforms. Based on ThirdProof's assessment, Chime is not currently listed on the FedRAMP Marketplace. Organizations with federal compliance requirements should verify this directly and consider alternative vendors with FedRAMP authorization where required.
Has Chime had any data breaches?+
Data breach history is an important signal for any vendor, particularly banking platforms like Chime that handle consumer financial and deposit data. ThirdProof's adverse media analysis searches multiple news APIs and public records for data breaches, security incidents, lawsuits, regulatory enforcement actions, and financial distress signals. Each finding is linked to its original source with severity classification.
Is Chime on any sanctions lists?+
Sanctions screening is particularly critical for banking vendors. ThirdProof screens Chime against OFAC SDN, consolidated international sanctions lists, and PEP databases. The screening uses entity name verification to reduce false positives. If Chime or any associated officers appear on a sanctions list, this triggers automatic escalation to the highest risk tier.
How do I assess Chime for vendor risk?+
Assessing Chime as a banking vendor involves verifying SOC 2 Type II, FDIC coverage, and banking regulations compliance, reviewing their subprocessor chain, and checking sanctions exposure. ThirdProof automates this across 27 intelligence sources in an average of 7 minutes — no questionnaires or vendor participation required. Your first 5 investigations are free.
How long does a ThirdProof assessment take?+
A ThirdProof assessment completes in an average of 7 minutes. 27 intelligence sources are queried in parallel — sanctions databases, business registries, threat intelligence feeds, certificate transparency logs, and more. The result is a deterministic risk tier with confidence score and audit-ready PDF report.
Is ThirdProof free?+
ThirdProof offers 5 free vendor assessments with no credit card required. Each assessment includes the full report — risk tier, confidence score, individual findings, executive summary, and PDF export. Paid plans start at $399/month for teams that need ongoing vendor monitoring.
Can I use a ThirdProof report as SOC 2 audit evidence?+
Yes. ThirdProof reports are designed to satisfy SOC 2 CC9.2 (vendor risk management) requirements. Each report includes SHA-256 integrity verification, methodology disclosure, source attribution for every finding, and AI content labeling. Auditors can independently verify the report's authenticity and trace each finding to its original source.
How is ThirdProof different from a security questionnaire?+
Security questionnaires require vendor participation, take weeks, and produce self-reported answers. ThirdProof queries 27 independent intelligence sources — no vendor involvement needed. Risk tiers are assigned by a deterministic rules engine (not AI opinion), and every finding links to its original source. You get an audit-ready report in an average of 7 minutes instead of waiting weeks for a questionnaire response.

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Chime is in your vendor stack. Can you prove you assessed them?

SOC 2 CC9.2, HIPAA, PCI-DSS, and CMMC all require documented vendor due diligence — not just knowing the answer, but having audit-ready evidence you verified it. Most compliance teams can't produce that documentation on demand.

ThirdProof investigates Chime across 27 intelligence sources in an average of 7 minutes — sanctions screening, cyber posture, SOC 2 verification, FedRAMP status, and more. Every investigation produces two deliverables: an audit-ready risk report and an auto-filled security questionnaire your prospects and auditors expect to see.

Get Chime's Full Report Free →See PricingBook a Demo
✓ 5 free investigations✓ Risk report + auto-filled questionnaire✓ No credit card required✓ Average report time: 7 minutes

Replaces $600–$900 in manual compliance consulting time per vendor assessed.