Chime general counsel reports RSU tax withholding

Chime Financial general counsel Adam B. Frankel reported a tax-related share disposition.

Rhea-AI Filing Summary

Chime Financial general counsel Adam B. Frankel reported a tax-related share disposition. On the transaction date, 9,187 shares of Class A Common Stock were withheld by Chime Financial to cover tax obligations tied to net-settled RSUs, leaving him with 209,662 directly held shares. The filing notes this withholding does not represent an open-market sale by Frankel.

Insider Trade Summary

Exercise Price or Tax Liability: 9,187 shares

Exercise Price or Tax Liability 1 txn

Insider FRANKEL ADAM B

Role General Counsel

Type	Security	Shares	Price	Value
Exercise Price or Tax Liability	Class A Common Stock	9,187	$19.69	$181K

Holdings After Transaction: Class A Common Stock — 209,662 shares (Direct)

Footnotes (2)

1. F1. 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 ("RSUs") and does not represent a sale by the Reporting Person.
2. F2. 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.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did Chime (CHYM) report for Adam B. Frankel?

Chime reported that general counsel Adam B. Frankel had 9,187 Class A shares withheld to satisfy tax obligations from net-settled RSUs. This is recorded as a tax-withholding disposition, not an open-market sale of shares by Frankel.

Was the Chime (CHYM) Form 4 transaction an open-market stock sale?

No, the Form 4 states the 9,187 shares were withheld by Chime to cover tax withholding and remittance obligations on RSUs. The footnote clarifies this does not represent a sale by Adam B. Frankel in the open market.

How many Chime (CHYM) shares does Adam B. Frankel hold after this Form 4?

After the tax-withholding disposition, Adam B. Frankel directly holds 209,662 shares of Chime’s Class A Common Stock. The transaction only involved shares withheld for taxes on RSUs, not a reduction through an open-market sale.

What does the RSU footnote mean in the Chime (CHYM) Form 4?

The footnote explains certain reported securities are RSUs, each representing a contingent right to receive one Class A share. These RSUs vest over time under their schedules, and shares can be withheld to satisfy tax obligations when they settle.

Why were 9,187 Chime (CHYM) shares withheld from Adam B. Frankel?

The 9,187 shares were withheld by Chime to meet tax withholding and remittance requirements tied to the net settlement of RSUs. This mechanism allows taxes to be paid using shares instead of requiring separate cash payments from the insider.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 02/19/2026 - 05:47 PM EST Learn about SEC filing dates

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^*

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)
02/17/2026

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	02/17/2026		F		9,187(1)	D	$19.69	209,662(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. 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 ("RSUs") and does not represent a sale by the Reporting Person.

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	02/19/2026
	** 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.
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