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

Rhea-AI Filing Summary

Chime Financial insider report: Chief Accounting Officer Amine reported a transaction on 09/08/2025 showing 7,624 shares of Class A common stock disposed at a price of $24.34 per share. The filing states these shares were withheld by the issuer to satisfy tax withholding related to the net settlement of restricted stock units and do not represent a sale by the reporting person. After the withholding, the reporting person beneficially owns 224,336 shares, held directly. The form is signed by a power of attorney on 09/10/2025.

Positive

• Transaction is a withholding for tax purposes, not an open-market sale, which reduces potential negative signaling to investors
• Reporting person retains 224,336 shares held directly, indicating continued ownership

Negative

• 7,624 shares reported as disposed, which reduces the insider's total holdings compared with pre-withholding levels

Insights

Securities Analyst

TL;DR: Routine tax withholding on RSU net settlement; no open-market sale and limited immediate market impact.

The Form 4 documents a disposition coded "F" meaning shares were withheld to satisfy tax obligations from restricted stock unit settlement. Because the transaction is an issuer withholding rather than an open-market sale, it does not reflect a voluntary divestiture by the insider and is not likely to signal a change in insider sentiment. The reporting person retains a substantial direct holding of 224,336 Class A shares, which remains the primary fact investors will note.

Corporate Governance Expert

TL;DR: Administrative equity tax remittance; disclosure aligns with Section 16 reporting requirements.

The disclosure appropriately records the net-settlement withholding event and provides required transparency under Section 16. The form clarifies the nature of the disposition in the explanation section, stating the shares were withheld by the issuer for tax remittance and not sold by the reporting person. From a governance perspective, this is a routine administrative action without apparent policy or compliance concerns based on the provided text.

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^*

Asmerom Amine

(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)
	Chief Accounting 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		7,624(1)	D	$24.34	224,336	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 did the Form 4 for CHYM filed by Amine report?

The Form 4 reports a 09/08/2025 disposition of 7,624 Class A shares at $24.34 per share, withheld to satisfy tax obligations from RSU net settlement.

Was the disposal by Amine a market sale?

No. The filing explains the shares were withheld by the issuer to satisfy tax withholding and do not represent a sale by the reporting person.

How many Class A shares does the reporting person own after the transaction?

After the reported withholding, the reporting person beneficially owns 224,336 shares, held directly.

Who signed the Form 4 and when?

The form was signed by /s/ Theresa Bloom, by power of attorney on 09/10/2025.

What does transaction code 'F' mean in this Form 4?

In this filing, code F corresponds to shares withheld by the issuer to satisfy tax withholding related to net settlement of restricted stock units, as explained in the form.