[Form 4] Chime Financial, Inc. Insider Trading Activity

Rhea-AI Filing Summary

James J. Dunne III, a director of Chime Financial, Inc. (CHYM), was granted restricted stock units (RSUs) that represent contingent rights to Class A common stock. The Form 4 reports an acquisition on 08/27/2025 of 7,628 RSUs at a reported price of $0, increasing the reporting person’s beneficial ownership to 71,295 shares.

Vesting is specified: one-fourth of the RSUs vest on November 27, 2025 and the remainder vests quarterly thereafter, subject to continued service. The filing was executed by Theresa Bloom under power of attorney and dated 08/29/2025. The disclosure identifies these instruments as RSUs and notes that some of the reported holdings are subject to individual vesting schedules and conditions.

Positive

• Director received RSUs that align his compensation with shareholder value through equity ownership
• Clear vesting schedule (one-fourth on 11/27/2025 and quarterly thereafter) ties rewards to continued service
• Transaction is non-cash ($0 reported), indicating these are grants rather than purchased shares

Negative

• None.

Insights

Financial Analyst

TL;DR: A routine director RSU grant increases director’s stake by 7,628 RSUs; vesting schedule extends alignment over multiple quarters.

The transaction is a non-cash grant of 7,628 restricted stock units to Director James J. Dunne III, recorded at $0 on 08/27/2025, raising beneficial ownership to 71,295 shares. The one-fourth/quarterly vesting schedule beginning November 27, 2025 ties equity recognition to continued service, which spreads dilution and aligns incentives over time. This is a customary equity compensation action rather than an open-market purchase and contains no exercise or cash consideration. For investors, the item signals standard director compensation mechanics but carries no immediate cash flow implications for the company.

Corporate Governance Expert

TL;DR: Governance-wise, the grant is a standard service-based RSU award with phased vesting to retain and incentivize the director.

The Form 4 discloses that the RSUs are contingent rights to Class A shares with a defined vesting cadence beginning November 27, 2025 and continuing quarterly. Filing by power of attorney is noted, which is standard administrative practice. The disclosure is clear on instrument type and vesting conditions; there are no reported derivative transactions or deviations from typical insider reporting norms. This presentation allows stakeholders to track future share issuance tied to these RSUs as they vest.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Dunne James J. III

(Last) (First) (Middle)

C/O CHIME FINANCIAL, INC.

101 CALIFORNIA STREET, SUITE 500

(Street)

SAN FRANCISCO CA 94111

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Chime Financial, Inc. [ CHYM ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
08/27/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Class A Common Stock	08/27/2025		A		7,628(1)	A	$0	71,295(2)	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. These securities are restricted stock units ("RSUs"). Each RSU represents a contingent right to receive one share of the Issuer's Class A Common Stock. One-fourth of the RSUs shall vest on November 27, 2025 and quarterly thereafter, subject to the Reporting Person continuing as a service provider through each such date.

2. Certain of these securities are RSUs. Each RSU represents a contingent right to receive one share of the Issuer's Class A Common Stock, subject to the applicable vesting schedule and conditions of each RSU.

Remarks:

	/s/ Theresa Bloom, by power of attorney	08/29/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

How many RSUs did James J. Dunne III acquire in the Form 4 for CHYM?

The Form 4 reports an acquisition of 7,628 RSUs on 08/27/2025.

What is the reported beneficial ownership of James J. Dunne III after this transaction?

Following the reported transaction, beneficial ownership is 71,295 shares as disclosed on the Form 4.

When do the RSUs begin vesting according to the filing?

One-fourth of the RSUs vest on November 27, 2025 with the remainder vesting quarterly thereafter, subject to continued service.

Was any cash paid for the RSUs in this transaction?

No cash was reported; the transaction lists a price of $0, indicating a grant of RSUs.

Who signed or filed the Form 4 on behalf of the reporting person?

The Form 4 was executed by Theresa Bloom, by power of attorney, and dated 08/29/2025.