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

Rhea-AI Filing Summary

Chime Financial insider filing shows a CEO/director disposition and a correction to prior reporting. The Form 4 reports that Christopher R. Britt, who serves as Chief Executive Officer and a director, had 10,778 shares of Class A common stock withheld on 09/08/2025 at a price of $24.34 per share to satisfy tax withholding related to the net settlement of restricted stock units; the filing states this withholding does not represent a sale by the reporting person. The filing also corrects a prior Form 4 by increasing beneficial ownership by 15,110 shares that were inadvertently misclassified. Following the reported transaction, the filing shows 357,458 shares beneficially owned.

Positive

• Clarification that 10,778 withheld shares were for tax obligations and not a sale by the reporting person
• Correction of prior reporting that increases transparency by adding 15,110 shares to beneficial ownership
• Complete disclosure of transaction date, price ($24.34) and resulting beneficial ownership (357,458 shares)

Negative

• Reduction in the reporting person's directly held Class A shares of 10,778 due to withholding
• Prior misclassification required correction, indicating an earlier reporting error

Insights

Corporate Governance Expert

TL;DR: Routine tax-withholding of RSUs and a corrective restatement; not a trading signal on its own.

The Form 4 discloses a common administrative event: the issuer withheld 10,778 shares to satisfy tax obligations upon net settlement of restricted stock units rather than an open-market sale by the executive. The filing also amends prior reporting to add 15,110 shares that were previously misclassified, which increases transparency about total beneficial ownership. For investors focused on insider activity, this filing clarifies ownership levels but does not by itself indicate an intent to divest equity stake.

Securities Compliance Analyst

TL;DR: Compliance correction and disclosure of withholding; procedural, not materially adverse.

The document properly discloses a 09/08/2025 withholding transaction at $24.34 per share and includes an explanatory note that withheld shares were used for tax remittance in connection with RSU net settlement. The amendment correcting a prior understatement of 15,110 shares improves the accuracy of Section 16 reporting. From a compliance perspective, the filing appears to meet disclosure requirements by identifying the nature of the withholding and correcting prior misreporting.

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^*

Britt Christopher R

(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
X	Officer (give title below)		Other (specify below)
	Chief Executive Officer

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		10,778(1)	D	$24.34	357,458(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 and does not represent a sale by the Reporting Person.

2. The number of shares beneficially owned has been increased by 15,110 shares, which number of shares was inadvertently reported as having been reclassified into shares of Class B Common Stock in the Reporting Person's Form 4 filed June 13, 2025.

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 did Christopher R. Britt report on Form 4 for CHYM?

The Form 4 reports that on 09/08/2025 10,778 Class A shares were withheld at $24.34 per share to satisfy tax withholding from RSU net settlement and that beneficial ownership after the transaction is 357,458 shares.

Does the Form 4 indicate an open-market sale by the CEO (CHYM)?

No. The filing explicitly states the withheld shares were used to satisfy tax withholding in connection with RSU net settlement and do not represent a sale by the reporting person.

Was there a correction to prior insider reporting for CHYM?

Yes. The filing states that beneficial ownership was increased by 15,110 shares which were inadvertently reported as reclassified into Class B shares in a Form 4 filed June 13, 2025.

What price was used for the reported withholding transaction on CHYM Form 4?

The transaction price reported for the withheld Class A shares is $24.34 per share.

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

The Form 4 is signed by /s/ Theresa Bloom, by power of attorney on 09/10/2025.