To unlock Investing in the Chime app, you must have Chime Prime status* and meet other eligibility requirements. Eligibility criteria may expand to include additional members in the future. Learn more at How do I become eligible for Investing?
Once eligible, enroll in Automated Investing:
- Tap Investing under Financial Tools.
- Tap Get Started.
- You’ll answer a few short onboarding questions about your goals and comfort with risk.
- Choose your portfolio
- You’ll be matched with one of the pre-defined investment portfolios (conservative, balanced, or aggressive). You can choose the recommended portfolio or select a different option.
- Each plan offers a different level of risk and asset allocation.
- Atomic Invest LLC, an SEC-registered investment adviser, automatically manages your investments according to the portfolio you select.
- Review and accept Atomic Invest LLC’s agreements and disclosures
- Complete identity verification
- 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’ll be asked to confirm personal information, such as your name, date of birth, address, and SSN.
- You’ll also answer a set of questions about employment and affiliations.
Once enrolled, you can fund your Investing account with as little as $1 from your Chime Checking account or Chime Card account.
Note: Investing accounts are set up as individual accounts only. Joint accounts, trusts, or retirement accounts (IRAs) are not supported.
Why am I seeing “Creating your account” or “Tired of waiting?”
After you complete enrollment, your account may take time to finish setting up. If you see “Tired of waiting? We’ll email you when it’s ready:”
- No action is needed.
- Once your account is open, you’ll receive an email from Atomic Brokerage with your account agreements and disclosures.
- When your account is ready, return to the Chime app home screen and tap the Investing tile under Financial Tools. If your account is open, you’ll see “Add money” under your balance. Tap to start investing.
What happens if there’s an issue with identity verification?
If additional information is needed to complete enrollment, you may see the next steps in the app. You may be asked to:
- Review and confirm your personal information, and/or
- Provide additional documentation to verify your identity
When reviewing your information, make sure it matches your official records. If your Chime account uses a nickname or shortened name, you may need to update it to your full legal name to complete verification.
- Note: If you’ve completed all the requested steps and enrollment is unsuccessful, investing won’t be available for you at this time. Chime support agents cannot override identity verification decisions.
What happens once you fund your account?
- Your deposit appears in your investing balance right away.
- If you submit your deposit during market hours and before 3PM ET, it’s typically invested the same day. Deposits made after 3 PM ET, on weekends, or on market holidays are generally invested on the next business day the market is open.
- You can track the status at any time in the app under Investing > Recent Activity.
*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.