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

Rhea-AI Filing Summary

James Feuille, a director of Chime Financial, Inc. (CHYM), reported an acquisition of 7,628 restricted stock units (RSUs) on 08/27/2025. Each RSU represents a contingent right to one share of Class A common stock and the RSUs vest one-fourth on November 27, 2025 and quarterly thereafter, subject to continued service.

The filing also shows the Reporting Person's indirect beneficial ownership of 23,766,250 Class A shares across four Crosslink entities, with a minor downward adjustment of four shares after an internal review. The Reporting Person disclaims beneficial ownership except to the extent of pecuniary interest.

Positive

• Grant of 7,628 RSUs shows continued alignment of a director with shareholder interests through equity compensation
• Transparent disclosure of indirect holdings totaling 23,766,250 shares across four affiliated entities with breakdown by entity
• Vesting schedule disclosed: one-fourth vests on November 27, 2025 and quarterly thereafter, providing clarity on timing

Negative

• None.

Insights

Corporate Governance Expert

TL;DR: Director received time‑based RSUs; large indirect holdings reflect fund-level ownership, not direct personal control.

The RSU grant of 7,628 units is a routine, service‑based equity compensation award with a standard quarterly vesting schedule beginning November 27, 2025. The report appropriately discloses substantial indirect holdings totaling 23,766,250 shares across affiliated investment entities and includes a standard disclaimer of direct beneficial ownership. Documentation and signature by power of attorney indicate proper Form 4 procedural compliance.

Financial Analyst

TL;DR: Small director grant reported; materiality for investors is limited given the grant size versus large indirect fund holdings.

The 7,628 RSUs are modest in absolute size relative to the reported 23.8 million indirectly held shares, suggesting the transaction is routine compensation rather than a market signal. The filing provides a clear breakdown of indirect holdings by entity and notes a correction of four shares after review, which supports record accuracy.

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

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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^*

Feuille James

(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	7,628(2)	D
Class A Common Stock								23,766,250(3)	I	See footnote(4)

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 shares are held as follows: (i) 7,221,104 shares held by Crosslink Crossover Fund VI, L.P. ("CO VI"); (ii) 10,782,500 shares held by Crosslink Ventures VII, L.P. ("CV VII"); (iii) 4,620,339 shares held by Crosslink Ventures VII-B, L.P. ("CV VII-B"); and (iv) 1,142,307 shares held by Crosslink Bayview VII, LLC ("CB VII"). The number of shares beneficially owned has been adjusted downward by four shares following an internal review of the Reporting Person's holdings.

4. The Reporting Person is: (i) a managing member of Crosslink Ventures VII Holdings, LLC, which is the general partner of CV VII and CV VII-B and the manager of CB VII; and (ii) a fund manager for Crossover Fund VI Management, L.L.C., the general partner of CO VI. The Reporting Person disclaims beneficial ownership of the shares reported herein except to the extent of his pecuniary interest therein.

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 transaction did James Feuille report on the CHYM Form 4?

The Form 4 reports an acquisition of 7,628 restricted stock units (RSUs) on 08/27/2025.

When do the RSUs vest according to the filing?

Per the filing, one-fourth of the RSUs vest on November 27, 2025 and the remainder vests quarterly thereafter, subject to continued service.

How many Class A shares does the Reporting Person indirectly beneficially own?

The filing reports 23,766,250 Class A shares held indirectly across Crosslink entities, with a reduction of four shares after an internal review.

What entities hold the indirect shares and in what amounts?

Indirect holdings are: 7,221,104 shares in Crosslink Crossover Fund VI, L.P.; 10,782,500 in Crosslink Ventures VII, L.P.; 4,620,339 in Crosslink Ventures VII-B, L.P.; and 1,142,307 in Crosslink Bayview VII, LLC.

What is the Reporting Person's relationship to Chime Financial (CHYM)?

The filing indicates the Reporting Person is a Director of Chime Financial, Inc.