AIUI it's the other way around: most banks will front their customers the money, assuming that the check won't bounce and that, even if it does, the customer wi

AIUI it's the other way around: most banks will front their customers the money, assuming that the check won't bounce and that, even if it does, the customer will be able to repay the amount the bank fronted them. What you describe sounds like Chime isn't willing to take credit risk on its customers.