• Chime Invest went live July 20, 2026, adding self-directed and managed-portfolio investing to Chime's banking app, per the company's own announcement.
• Pricing is tiered by subscription: Chime Prime pays no management fee, Plus pays 0.10% annually, and standard members pay 0.25% — with no account minimum and a $1 entry point.
• Chime does not manage the money itself: SEC-registered adviser Atomic Invest builds the portfolios and FINRA-member Atomic Brokerage executes and custodies trades.
• Securities are SIPC-protected up to $500,000, including up to $250,000 for cash claims — standard brokerage protection, not FDIC insurance and not a guarantee against market loss.
• The launch extends Chime's business beyond interchange and Plus/Prime subscription revenue roughly 13 months after its June 12, 2025 Nasdaq debut under ticker CHYM.

Chime Financial, Inc., the publicly traded neobank, launched investing services inside its banking app on July 20, 2026, letting customers trade stocks and ETFs commission-free or hand money to a managed portfolio run by outside adviser Atomic Invest LLC, per Chime's own announcement. Pricing undercuts typical robo-advisor fees: Chime Prime members pay nothing annually, Plus members pay 0.10%, and everyone else pays 0.25%, with a $1 minimum and no account minimum. FINRA-member Atomic Brokerage LLC executes and custodies the trades — Chime itself holds no adviser or broker-dealer license for this product.

What Launched, and When

Chime Invest went live July 20, 2026, adding commission-free self-directed stock and ETF trading and expert-built managed portfolios directly inside the Chime banking app, according to the company's own newsroom announcement. Members can start with as little as $1 and there is no account minimum. General access is rolling out to members gradually over the coming weeks rather than all at once, Chime said — a staged release, not a full-base flip.

Pricing Undercuts the Standard Robo Fee

Chime tiered the fee to its existing subscription ladder: Prime members pay no management fee on a managed portfolio, Plus members pay 0.10% annually, and everyone else pays 0.25% annually, per Chime's announcement. That top rate matches the low end of what incumbent robo-advisors typically charge; the Prime tier undercuts it to zero. Self-directed trades carry no commission. The pricing functions as a subscription upsell, not a standalone product margin play.

Chime Doesn't Hold the Money — Atomic Does

Chime is not itself a registered adviser or broker-dealer for this product. Portfolio construction and management sits with Atomic Invest LLC, an SEC-registered investment adviser; trade execution and custody sit with Atomic Brokerage LLC, a FINRA- and SIPC-member broker-dealer, per Chime's announcement. That split is standard for embedded-finance launches: Chime owns the customer relationship and interface, while a licensed partner carries the regulatory obligations that come with managing securities.

Investor Protection Has Limits Worth Naming

Securities in Chime Invest accounts are SIPC-protected up to $500,000, including up to $250,000 for cash claims, Chime said. That is standard brokerage-industry protection against firm failure — it does not insure against market losses, and it is not the FDIC coverage Chime's banking product carries. Members moving money from an FDIC-insured Chime deposit account into Chime Invest are trading one protection regime for a different one, not adding coverage on top.

Why a Neobank Wants an Investing Wing

The launch lands about 13 months after Chime's June 12, 2025 Nasdaq debut under ticker CHYM, where shares priced at $27 and closed their first day up 37% at $37.11, according to CNBC. As a public company, Chime has reason to diversify revenue beyond interchange fees and Plus/Prime subscriptions. An investing product tied to its existing tiers gives Chime a new lever — subscription upgrades — without Chime itself taking on adviser or broker-dealer licensing.