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

Rhea-AI Filing Summary

Susan L. Decker, a director of Chime Financial, Inc. (CHYM), reported stock-unit transactions on Form 4. She was granted 7,628 restricted stock units (RSUs) on 08/27/2025 that vest over time; one-fourth vests on November 27, 2025 and the remainder vests quarterly thereafter while she remains a service provider. After this grant she beneficially owns 14,295 shares of Class A common stock. The filing also discloses an indirect holding of 57,000 shares through SJCE Family LP, for which she serves as general partner. The RSUs represent contingent rights to receive one share each upon vesting and were reported with a $0 price, consistent with equity compensation awards rather than open-market purchases.

Positive

• Grant of 7,628 RSUs aligns director compensation with shareholder value through time‑based vesting
• Beneficial ownership of 14,295 Class A shares after the grant increases the director's direct stake
• 57,000 indirect shares held via SJCE Family LP show additional economic exposure and alignment

Negative

• None.

Insights

Financial Analyst

TL;DR: Director received time‑vested RSUs, modestly increasing her direct stake; indirect holdings remain material.

The 7,628 RSU grant is a standard equity compensation award that vests over time, aligning management incentives with shareholder outcomes. Beneficial ownership of 14,295 Class A shares after the grant is a clear, but not large, direct holding relative to typical public company ownership levels. The additional 57,000 shares held indirectly via SJCE Family LP increases her economic exposure to CHYM and may strengthen alignment with long‑term performance. No cash purchase or sale was reported, and the $0 price indicates a grant rather than a market transaction.

Corporate Governance Expert

TL;DR: Routine insider equity award with standard vesting schedule; governance implications are typical for director compensation.

The filing documents a grant of restricted stock units to a director with a one‑quarter cliff followed by quarterly vesting, which is a conventional structure to promote retention. Disclosure that the Reporting Person is the general partner of SJCE Family LP clarifies indirect ownership and avoids ambiguity about related‑party holdings. There are no departures, option exercises, or dispositions disclosed that would raise governance concerns.

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
Estimated average burden
hours per response:			0.5

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^*

DECKER SUSAN L

(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	14,295(2)	D
Class A Common Stock								57,000	I	See footnote(3)

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. 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. These securities are held by SJCE Family LP, for which the Reporting Person serves as general partner.

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

What did Susan L. Decker report on Form 4 for CHYM?

She reported a grant of 7,628 restricted stock units (RSUs) on 08/27/2025 and beneficial ownership of 14,295 Class A shares following the transaction, plus 57,000 shares indirectly held via SJCE Family LP.

When do the RSUs vest according to the filing?

One‑fourth of the RSUs vest on November 27, 2025 and the remainder vests quarterly thereafter, subject to continued service.

Was this a purchase or a grant and what price was reported?

The filing reports these as RSUs granted with a reported price of $0, indicating equity compensation rather than an open‑market purchase.

What is the relationship between the reporting person and SJCE Family LP?

The filing states the securities are held by SJCE Family LP, for which the reporting person serves as general partner, indicating indirect ownership.

Does the Form 4 show any sales or dispositions by the director?

No sales or dispositions are reported; the Form 4 shows an acquisition of RSUs and existing indirect holdings.