If you already use Chime1 to manage your money, you can now invest there, too. The fintech company has launched Chime Invest, a new platform that lets users buy stocks and ETFs commission-free or choose an expert-managed portfolio, with no account minimum required.

By adding investing to the same app customers already use to do their banking, Chime is making it easier to keep more of your financial life in one place. Here's who Chime Invest is best for, how it works and alternatives to consider.

Chime Invest is a natural fit for existing Chime customers who want to keep their banking and investing in one place. It's also worth considering if you're looking for a new financial home, since Chime pairs its investing platform with fee-free checking, a high-yield savings account and a secured credit card, the Chime Card2, designed to help users build credit.

  • Annual Percentage Yield (APY)- Chime® Checking (no interest), required to enroll in Chime High-Yield Savings 3.75% APY. *

  • Minimum balance- $0, no minimum deposit or balance

  • Fees- No monthly maintenance or overdraft fees. SpotMe® service with eligibility for no-fee overdraft up to $200.*

  • Perks- Paycheck available up to two days early with direct deposit. Automatically save part of your direct deposits of $1 or more. Round Ups feature transfers spare change from purchases to savings. - Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Generally, these funds are available on the day the payment file is received, which may be up to 2 days earlier than the scheduled paymedate.

  • Maximum transactions- Cash withdrawals from checking up to $515 per day at any ATM or as an over-the-counter bank withdrawal. $2,500 maximum daily spend, including any withdrawals, purchases and incurred fees.

  • ATMs- 47,000+ in-network no-fee ATMs.*

  • Out-of-network ATM withdrawal and over the counter advance fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

  • Mobile check deposit- Yes

  • Terms apply.

ATMs: Out-of-network ATM withdrawal and over the counter advance fees may apply except at FCTI® ATMs in a 7-Eleven® or Speedway, or any Allpoint® or Visa® Plus Alliance ATM participating in the Allpoint network. SpotMe: SpotMe® on Credit is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, ""SpotMe""). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month. Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined limit of up to $200 or more based on member's Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. SpotMe for Credit and SpotMe on Debit share a single SpotMe limit. Your SpotMe Limit may change at any time, at Chime or its banking partners' discretion. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won't cover non-card transactions, including ACH s, Pay Anyone s, or Chime Checkbook transactions. SpotMe terms and conditions. APY: 3.75% Annual Percentage Yield ("APY") applies if you maintain Chime Prime status, otherwise 3.00% Chime Plus APY (if eligible) or 0.75% standard APY will apply. APYs are effective as of 01/29/2026, are variable and subject to change. No min. bal. required.

  • 5% cash back rewards on category of choice for **Chime Prime members. Prime eligibility is unlocked with $3,000+ in qualifying direct deposits.
  • No annual fee
  • No credit check or minimum security deposit

  • Prime members get 3.75% APY with qualifying direct deposits on a Chime savings account

  • Card access paused if statement balance is not paid within 24 hours.

Chime Invest is geared toward beginner and casual investors who want to manage their banking and investing from a single app.

Members can choose between two ways to invest:

Managed Portfolio: If you'd rather take a hands-off approach, you can invest in an expert-built, diversified portfolio tailored to your goals and risk tolerance. Portfolios are managed by Atomic Invest, an SEC-registered investment adviser. There are no account minimums, and you can get started with as little as $1.

Self-directed investing: If you prefer to build your own portfolio, you can buy and sell a broad selection of U.S. stocks and ETFs commission-free.

Managed Portfolio fees depend on your Chime membership:

  • Chime Prime:No management fee
  • Chime Plus:0.10% annual management fee
  • Standard Chime membership:0.25% annual management fee

Self-directed investing is commission-free regardless of your membership. Securities held in Chime Invest accounts are protected by SIPC for up to $500,000 (including up to $250,000 for cash), though SIPC protection doesn't cover investment losses. Chime Invest is also rolling out gradually, so if you don't see it in your app yet, you may gain access in the coming weeks.

  • Minimum deposit and balance- No account minimum for either self-directed investing or Managed Portfolios.

  • Fees- Fees vary depending on which option you choose. Self-directed investing has zero commission fees for trading stocks and ETFs. Managed Portfolios charges no management fee for Chime Prime members, 0.10% annually for Chime Plus members and 0.25% annually for all other Chime - ®members.

  • Bonus- No welcome bonus currently offered

  • Investment vehicles- Managed Portfolios:expert-built, diversified portfolio managed by Atomic Invest, an SEC-registered investment adviser- Brokerage and trading: Chime self-directed investing

  • Investment options- U.S. stocks and ETFs

  • Educational resources- Chime - ®offers a Financial Progress Resource Hub in the app, plus bite-sized, gamified lessons through a partnership with Zogo, where members can earn rewards for completing them.

Terms apply.

If Chime Invest isn't the right fit, there are a few other platforms worth considering depending on what you're looking for.

SoFi Invest is a strong alternative if you want to keep your banking and investing in one place. It offers commission-free trading on stocks and ETFs, fractional shares starting at $5 and an automated investing option with no advisory fee. Since SoFi also offers checking, savings, loans and credit cards, it's a good choice if you'd rather manage most of your finances through a single provider.

  • Minimum deposit and balance- Minimum deposit and balance requirements may vary depending on the investment vehicle selected. No account minimum for active or automated investing, or to participate in IPOs. $5 minimum to own a fractional share of a company.

  • Fees- Fees may vary depending on the investment vehicle selected. Active investing has zero commission fees for trading stocks and ETFs (exchange and fund management fees may apply). Automated investing has zero management fees

  • Bonus- Get up to 1,000 in stock when you open & fund a new Active Invest account.

  • Investment vehicles

  • Investment options- Stocks, ETFs, options, mutual funds, alternative funds, fractional share and IPO participation

  • Educational resources- SoFi offers a detailed help center with hundreds of searchable articles, market insights and access to certified financial planners at no additional cost to all members.

Terms apply.

If you'd prefer a platform that's focused primarily on investing, Robinhood is another option. It offers commission-free trading on stocks, ETFs, options and crypto, with fractional investing starting at just $1. Robinhood also has managed portfolios, though they're only available to Robinhood Gold subscribers. Unlike Chime and SoFi, however, Robinhood isn't designed to be your primary bank, so it's a better fit if you're looking for an investing-first experience.

  • Minimum deposit and balance- Minimum deposit and balance requirements may vary depending on the investment vehicle selected. No minimum required to open an account or to start investing

  • Fees- Fees may vary depending on the investment vehicle selected. Commission-free trading; regulatory transaction fees and trading activity fees may apply

  • Bonus- Get a free stock added to your brokerage account when you link your bank account and fulfill the promotion conditions (keep it or sell after 2 trading days)

  • Investment vehicles

  • Investment options

  • Educational resources

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1Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

2Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card and The secured Chime Visa® Credit Card are issued by The Bancorp Bank, N.A. or Stride Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit and credit cards are accepted. Please see the back of your Card for its issuing bank.

Editorial Note:Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.