Chime, America’s #1 choice for banking, has launched Chime Invest, a commission-free investing service integrated directly into its app. The new feature allows members to buy stocks and ETFs without account minimums or choose an expert-managed portfolio. This move aims to make investing accessible to millions of Americans who may have been deterred by costs or complexity.

The service is built on the premise that financial services should be helpful, easy, and free. Chime members engage with the app five times a day and transact more than 50 times a month. By integrating investing into the same platform where members already manage their finances, Chime eliminates the need for a separate app or user experience.

Addressing Barriers to Entry

Approximately 40% of Americans report not owning any stock, missing out on a key wealth-building tool. A recent Chime survey identified common barriers, including lack of time to learn the market, competing financial priorities, and the cost of professional advice. Chime Invest addresses these challenges by allowing members to start with as little as $1 and offering expert-managed portfolios for those with limited time or expertise.

Key Features of Chime Invest

Investment Options

Chime Invest offers two ways to invest, both in the same account. Managed Portfolios allow members to choose an expert-built, diversified portfolio personalized to their goals and risk profile, managed by Atomic Invest, an SEC registered investment adviser. Managed Portfolios have no account balance minimums and have no management fees for Chime Prime members, a 0.10% annual management fee for Chime Plus members, and 0.25% for all other Chime members. For members who want full control, Self-directed Investing offers a broad selection of U.S. stocks and ETFs, all commission-free.

Securities held in members’ investment accounts are SIPC-protected up to $500,000. General access to Chime Invest rolls out to members over the coming weeks.

Chime will release its financial results for the second quarter of 2026 on August 5, 2026, after the market closes. The company will hold a conference call to discuss the results at 3:00 p.m. Pacific Time (6:00 p.m. Eastern Time) on the same day. This announcement provides investors with an opportunity to review the company's performance for the quarter.

A live webcast of the earnings conference call will be accessible on the Events & Presentations section of Chime's Investor Relations website at investors.chime.com. A replay of the call will be available on the website following the event for those unable to attend the live session.

Chime is a financial technology company that offers low-cost banking and payments products. Its member-aligned business model aims to help individuals achieve financial progress. Member deposits are FDIC-insured through The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, up to applicable limits.

Key Event Details

Chime is not FDIC-insured itself; The Bancorp Bank, N.A. and Stride Bank, N.A. are the FDIC-insured members. Deposit insurance covers the failure of an insured bank, and certain conditions must be met for pass-through deposit insurance coverage to apply. The FDIC deposit insurance limit is $250,000 per depositor, per insured bank, per ownership category.