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

Rhea-AI Filing Summary

Chime Financial director Cynthia Marshall reported a grant of 7,628 restricted stock units (RSUs) on 08/27/2025 that vest over time. The RSUs were reported as acquired at a $0 price and represent contingent rights to receive Class A common stock. Following the transaction, the Reporting Person beneficially owns 72,795 shares in total. The filing notes that one-fourth of the RSUs will vest on November 27, 2025 and then quarterly thereafter, subject to continued service.

Indirect holdings include 375 shares held by the Reporting Person's spouse and 375 shares held by the Reporting Person's daughter. The Form 4 was signed by a power of attorney on 08/29/2025.

Insights

Securities Analyst

TL;DR: Director received time‑based RSUs totaling 7,628, increasing reported beneficial ownership to 72,795 shares.

The transaction is a standard compensation grant reported under Section 16. The RSUs vest one‑quarter on 11/27/2025 and quarterly thereafter, indicating a multi‑period retention schedule. The acquisition price of $0 confirms these are compensation awards rather than open‑market purchases. Indirect holdings of 375 shares each are disclosed for spouse and daughter, which are customary family holdings to report. This filing is routine and contains no sales or discretionary disposals.

Corporate Governance Expert

TL;DR: Time‑vested RSUs align director incentives with shareholder outcomes; transaction appears routine and non‑material.

The structure—RSUs converting to Class A common stock with staged vesting—aligns with common retention and governance practices for directors or service providers. The filing discloses beneficial ownership and related‑party holdings (spouse, daughter), meeting disclosure requirements. There are no indications of accelerated vesting, sales, or hedging that would raise governance concerns in this report.

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^*

Marshall Cynthia

(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	72,795(2)	D
Class A Common Stock								375	I	See footnote(3)
Class A Common Stock								375	I	See footnote(4)

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.

3. The shares are held by the Reporting Person's spouse.

4. The shares are held by the Reporting Person's daughter.

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).
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