How do I become eligible for Investing?

To unlock Automated Investing in the Chime app, you’ll need to:

1. Have Chime Prime status*. Learn more at

   • What is Chime Prime?

2. Have an active Chime Checking or Chime Card Account.

   • Your Investing account links directly to your Chime Checking or Chime Card account for deposits and withdrawals, so you’ll need to maintain an active Checking or Chime Card account to use it.

3. Verify your identity and understand how your information is used

When opening an Investing account, you must pass an identity verification check known as KYC – “Know Your Customer”. This is required by law to keep accounts secure and compliant with financial regulations.

You may need to provide at least some of the following information to open and maintain your Investing account:

• Social Security Number (SSN)

• Date of birth

• Residential address

• Employment information

• Whether you have certain affiliations, such as being a public official, having significant ownership or control in a publicly traded company, or being affiliated with the securities industry.

Regulations require identity verification before opening an Investing account. This process helps prevent fraud and financial crime and satisfy Anti-Money Laundering (AML) requirements. Without completing it, an Investing account can’t be opened.

How is this information used?

• What Chime keeps: Chime stores personal information (like your name, date of birth, SSN, and address) to maintain your Investing account, verify ownership, prevent fraud, and ensure accounts are opened by their rightful owners.

• What Chime shares with Atomic: Chime securely shares only the information required for Atomic Invest LLC, the registered investment adviser, and its brokerage partners to:

  • Complete identity verification and satisfy Know Your Customer (KYC) and Anti-Money Laundering (AML) requirements

  • Open and maintain the Investing account

  • Deliver required account disclosures and regulatory communications

Chime does not share personal data beyond what is required to provide the service, and your data is not sold to third parties.

If you lose your Chime Prime status*

If you stop receiving a qualifying direct deposit of $200 or more in the last 34 days, your Investing account won’t be affected.

• You’ll keep your Investing account, and your existing investments will stay in place.

• You can continue making deposits to and withdrawing from your Investing account.

• If you later regain Chime Prime status*, your other benefits will resume as usual.

*To be eligible for Chime Prime status, receive $3,000+ in qualifying direct deposits to your Chime Checking Account in the past 34 days. To be eligible for Chime Plus status, receive either 1) a single $200+ qualifying direct deposit; or 2) $400+ in cumulative qualifying direct deposits to your Chime Checking Account in the preceding 34 days. Certain products marketed as perks have additional eligibility requirements. While some perks may have associated fees, none of these fees are mandatory to access the perks or to maintain the applicable status. See the Chime Membership Tiers Terms and Conditions for details.

Investment advisory services provided by Atomic Invest LLC. Brokerage services provided by Atomic Brokerage LLC, member of FINRA/SIPC. Investments in securities: Not FDIC Insured, Not Bank Guaranteed, May Lose Value. Investing involves risk, including the possible loss of principal.

Chime Invest™ is not provided by either [bank name] or Chime Financial, Inc.

Chime has engaged Atomic Invest LLC (“Atomic”), an SEC-registered investment adviser, to bring you the opportunity to open an investment advisory account with Atomic. Brokerage services for Atomic are provided by Atomic Brokerage LLC (“Atomic Brokerage”), a registered broker-dealer and member of FINRA and SIPC and an affiliate of Atomic, which creates a conflict of interest. For more details about Atomic, please see the Form CRS, Form ADV Part 2A and Privacy Policy. For more details about Atomic Brokerage, please see the Form CRS, General Disclosures and fee schedule. You can check the background of Atomic Brokerage on FINRA BrokerCheck.

Neither Atomic Invest LLC nor Atomic Brokerage LLC, nor any of their affiliates is a bank. Investments in securities: Not FDIC Insured, Not Bank Guaranteed, May Lose Value. Investing involves risk, including the possible loss of principal. Before investing, consider your investment objectives and fees and expenses charged. Advisory services through Atomic are not to be construed as tax advice or financial planning and do not take into consideration investments that clients may hold outside of Atomic.