Chime's Investing Expansion
Chime expands into investing with commission-free trading and unique 'Trump Accounts' for minors.
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Key Points
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Chime's custodial IRAs for minors, branded as 'Trump Accounts,' have grown to about 130,000 accounts with eligible children born between 2025 and 2028 receiving a $1,000 seed in US Treasury funds, investing in low-cost index funds and ETFs that track major US indexes such as the S&P 500.
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The Invest America partnership, which underpins the Trump Accounts custodial offering, began on May 29, 2026, providing the infrastructure for these accounts and broader investing services.
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Chime reported GAAP profitability in Q1 2026, with net income of $53 million and revenue up 25% year over year, marking its first profitable quarter under GAAP.
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Chime Invest partners with Atomic Invest to offer expert-built, diversified portfolios; Atomic Invest is an SEC-registered investment adviser, and the service features no account minimums with tiered management fees of 0% for Chime Prime, 0.10% for Chime Plus, and 0.25% for all other members.
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In addition to stock/ETF trades, Chime Invest is integrated directly into the Chime app, emphasizing no account minimums and commission-free trading, with managed portfolios designed to be accessible to millions who already trust Chime with their money.
Chime Financial has launched Chime Invest, a new feature that lets its more than 10 million members trade stocks and ETFs commission-free directly inside the Chime app, according to GuruFocus. The move marks a major shift for the fintech company — from fee-free banking into full-scale investing.
The launch comes as Chime reported its first-ever GAAP-profitable quarter. In Q1 2026, the company earned $53 million in net income, with revenue up 25% year over year, Seeking Alpha reported. Chime now has about 10.2 million active members.
Commission-Free Trading Lands Inside the Chime App
Chime Invest lets users buy and sell individual stocks and ETFs with zero commissions. There are no account minimums, so members can start with any dollar amount. The feature lives inside the existing Chime app, making it easy to move money from savings into investments, according to PYMNTS.
For members who want more help, Chime partnered with Atomic Invest to offer managed, expert-built portfolios. Atomic Invest is registered with the SEC as an investment adviser. Fees depend on membership tier: 0% for Chime Prime members, 0.10% for Chime Plus, and 0.25% for all others, GuruFocus reported.
Chime Eyes Robinhood's Turf With Full Trading Rollout by 2026
Chime plans to open full individual trading accounts for stocks and ETFs as early as June 2026, according to Crypto Briefing. That puts it in direct competition with Robinhood, which built its brand on the same commission-free model. Chime's 10 million-plus user base gives it a ready-made audience.
About 40% of Americans own no stocks at all, PYMNTS noted. Chime is betting that members who already trust the app with their paychecks will be willing to invest through it too. Removing minimums and commissions is designed to lower the biggest barriers for first-time investors.
'Trump Accounts' Give Minors a $1,000 Head Start in Treasury Funds
In a separate initiative, Chime partnered with Invest America to offer custodial IRAs for minors, branded as "Trump Accounts." Children born between 2025 and 2028 are eligible. Each account gets a $1,000 seed funded by US Treasury money, according to Value The Markets.
The accounts invest in low-cost index funds and ETFs that track major US indexes like the S&P 500. The Invest America partnership launched on May 29, 2026. As of now, the program has grown to about 130,000 accounts, Value The Markets reported.
Profitable Quarter Fuels Chime's Push Into Wealth Building
Chime's first GAAP-profitable quarter gives the company financial footing to expand. Net income hit $53 million in Q1 2026, with revenue growing 25% compared to a year earlier, Seeking Alpha reported. That kind of growth is rare for a fintech firm still scaling up.
Chime is framing Invest as more than a product — it's positioning itself as a full wealth-building platform. By combining fee-free banking, commission-free trading, managed portfolios, and custodial accounts for children, Chime is trying to become the single financial app for millions of Americans, according to Crypto Briefing.
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