The Stride Consumer Privacy Notice

Last Updated January 2020. This notice applies to the Chime Visa® Debit Card and the Chime Visa® Credit Builder Card, each issued by Stride Bank, N.A. pursuant to a license from Visa U.S.A. Inc, and to all Chime accounts supported by Stride Bank, N.A. This notice describes how we collect, use, and share information. Other privacy policies may apply in addition to the terms of this notice. If you inquire about, apply for, or have a financial product or service with us not related to the Chime product offering, or if you visit our website, please review our Online Privacy Notice at https://stridebank.com/privacy-policy.html, which applies to U.S. customers and consumers as described in that notice.

What Does STRIDE BANK, N.A. Do With Your Personal Information?

Collecting and Using Information

This section generally describes how Stride Bank collects and uses your personal information, and how Stride Bank may use your personal information. Personal information generally means information that identifies you or your device, and other information we associate with it.

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

 

What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security Number and income
  • Account balances and transaction history
  • Credit history and credit scores

When you are no longer our customer, we continue to share your information as described in this notice.

How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Stride Bank, N.A. chooses to share; and whether you can limit this sharing.

Why We Share Your Information

Reasons we can share your personal information    Does Stride Bank, N.A.   Share? Can you limit this sharing?
For our everyday   business   purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus  

 

Yes

 

 

No

For our marketing purposes—

to offer our products and services to you

 

Yes

 

No

For joint marketing with other financial companies No We don’t share
For our affiliates’ everyday business purposes—

information about your transactions and experiences

 

No

 

We don’t share

For our affiliates’ everyday business purposes—

information about your creditworthiness

 

No

 

We don’t share

For our affiliates to market to you No We don’t share
For non-affiliates to market to you No We don’t share

About Stride Bank's Consumer Privacy Notice

Questions? Call us toll-free, at (844) 244-6363, email us at support@chime.com, or visit us at chime.com.
Who we are
Who is providing this notice? This notice is provided by the business units of Stride Bank, N.A.
What we do
How does Stride Bank, N.A. protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.  We also limit access to information to those employees for whom access is necessary.
How does Stride Bank, N.A. collect my personal information? We collect your personal information, for example, when you:

  • open an account or deposit money
  • pay your bills or give us your contact information
  • use your credit or debit card

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing? Federal law gives you the right to limit only:

  • sharing for affiliates’ everyday business purposes—information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.

  •  Stride Bank, N.A. has no affiliates with which it shares your personal information.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Nonaffiliates we share with can include online payment companies, direct marketing companies and prepaid card providers.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Stride Bank, N.A. does not jointly market.
Other important information
*Vermont Residents – In accordance with Vermont law, we will not share personal information about you, other than transaction experience information, with other Stride Bank, N.A. companies or affiliates, nor will we share any personal information about you with other Stride Bank, N.A. companies for marketing purposes.

*Nevada Residents – We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by following directions in the to limit marketing contact section.  Nevada law requires that we also provide you with the following contact information:  Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Ste 3900, Las Vegas, NV 89101; Phone number-702.486.3132; email: BCPINFO@ag.state.nv.us.

*California Residents – Effective January 1, 2020, the California Consumer Privacy Act (CCPA) permits consumers who are California residents to (a) ask a covered business which categories and pieces of personal information it collects and how the information is used; (b) request deletion of the information; and (c) opt out of the sale of such information, if applicable. These provisions of the CCPA do not apply to personal information collected, processed, shared, or disclosed by financial institutions pursuant to federal law. To contact us with questions about our compliance with the CCPA, call 1-800-229-7497; or write to: Stride Bank N.A., PO Box 3448, Enid, OK 73702-3448. California Residents may also submit their CCPA request online at https://stridebank.com/sft1172/ccpa-web-form.pdf or by printing the form located at the aforementioned address and emailing the CCPA request to privacyrequests@stridebank.com. Only you or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child. You may make a verifiable consumer request to know or delete personal information twice within a twelve (12) month period. We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time, which may take up to ninety (90) days), we will inform you of the reason and extension period in writing. Any disclosures we provide will only cover the preceding twelve (12) month period. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For right to know requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance. We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request. Please note, consumers will not receive discriminatory treatment for the exercise of the privacy rights conferred by the CCPA.

Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.

Please note: By clicking on some of the links above, you will leave the Chime website and be directed to an external website. The privacy policies of the external website may differ from our privacy policies. Please review the privacy policies and security indicators displayed on the external website before providing and personal information.

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