However, the company expects those costs to decline going forward. Chime said payments revenue net take rates were pacing for 2 basis points of year-over-year growth in the third quarter. In July, Chime launched Chime Invest, which offers managed portfolios through a registered investment advisor as well as commission-free self-directed investing in individual equities and exchange-traded funds. The company expects payroll costs in 2027 to remain flat relative to 2026. About Chime Financial (NASDAQ:CHYM)Chime Financial is a U.S.-based financial technology company offering mobile-first banking services designed to reduce fees and simplify everyday transactions.