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

Rhea-AI Filing Summary

Adam B. Frankel, General Counsel of Chime Financial, Inc. (CHYM), reported a transaction on 09/08/2025. The filing shows 10,103 shares of Class A common stock were disposed of at $24.34 per share, leaving the reporting person with 261,279 shares beneficially owned. The form states these shares were withheld by the issuer to satisfy tax withholding in connection with net settlement of restricted stock units and explicitly notes this withholding does not represent a sale by the reporting person. The Form 4 was signed by a power of attorney on behalf of the reporting person on 09/10/2025.

Insights

Corporate Governance Expert

TL;DR: Routine insider withholding for tax purposes; disclosure maintains compliance and clarifies no open-market sale.

The Form 4 discloses a tax-withholding event tied to net settlement of RSUs rather than a market sale, which reduces reported beneficial holdings by 10,103 shares to 261,279 shares. From a governance perspective, the filing is timely and transparent, specifying the nature of the disposition and mitigating potential market misinterpretation of insider selling. This type of reporting is standard for equity compensation settlements and signals internal compliance with Section 16 reporting requirements.

Securities Analyst

TL;DR: The transaction is a non-sale tax withholding; it has limited direct impact on CHYM’s share float or investor thesis.

The record shows 10,103 Class A shares withheld at $24.34 per share as tax remittance for RSU net settlement, with 261,279 shares remaining beneficially owned by the reporting officer. Because the filing states the shares were withheld by the issuer (not sold in the open market), immediate downward pressure from insider selling is unlikely. This disclosure is material for ownership tracking but is not indicative of a change in management conviction.

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^*

FRANKEL ADAM B

(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)

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

3. Date of Earliest Transaction (Month/Day/Year)
09/08/2025

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	09/08/2025		F		10,103(1)	D	$24.34	261,279	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. Represents shares that have been withheld by the Issuer to satisfy its tax withholding and remittance obligations in connection with the net settlement of restricted stock units and does not represent a sale by the Reporting Person.

Remarks:

	/s/ Theresa Bloom, by power of attorney	09/10/2025
	** 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 transaction did Adam B. Frankel (CHYM) report on 09/08/2025?

The filing reports the disposition of 10,103 Class A common shares on 09/08/2025 at a price of $24.34 per share.

Why were the 10,103 shares disposed of according to the Form 4?

The Form 4 states the shares were withheld by the issuer to satisfy tax withholding related to net settlement of restricted stock units and do not represent a sale by the reporting person.

How many shares does the reporting person beneficially own after the reported transaction?

Following the reported transaction, the reporting person beneficially owned 261,279 shares of Class A common stock.

What is the reporting person’s role at Chime Financial?

The reporting person, Adam B. Frankel, is listed as General Counsel and an officer of the issuer.

Who signed the Form 4 and when?

The Form 4 was signed by power of attorney (Theresa Bloom) on 09/10/2025.