Chime Financial (CHYM) GC reports RSU tax share withholding, keeps large stake

Rhea-AI Filing Summary

Chime Financial, Inc. General Counsel Adam B. Frankel reported a routine tax-related share disposition tied to vested restricted stock units. On the transaction date, 12,438 shares of Class A Common Stock were withheld by the company at $17.88 per share to cover tax withholding and remittance obligations. The filing explicitly states this was not an open-market sale by Frankel. After this tax-withholding event, he directly holds 309,795 shares of Chime Financial Class A Common Stock.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider FRANKEL ADAM B

Role General Counsel

Type	Security	Shares	Price	Value
Tax Withholding	Class A Common Stock	12,438	$17.88	$222K

Holdings After Transaction: Class A Common Stock — 309,795 shares (Direct, null)

Footnotes (1)

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. 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.

Key Figures

Shares withheld for taxes: 12,438 shares Withholding price per share: $17.88 per share Shares held after transaction: 309,795 shares +1 more

4 metrics

Shares withheld for taxes 12,438 shares Withheld to satisfy tax obligations on RSU settlement

Withholding price per share $17.88 per share Value used for tax-withholding share amount

Shares held after transaction 309,795 shares Direct holdings of Class A Common Stock post-transaction

Tax-withholding transactions 1 transaction Single F-code tax-withholding disposition reported

Key Terms

restricted stock units ("RSUs"), net settlement, tax withholding and remittance obligations, Class A Common Stock

4 terms

restricted stock units ("RSUs") financial

"in connection with the net settlement of restricted stock units ("RSUs")"

Restricted stock units (RSUs) are a company promise to give an employee shares of stock (or cash equivalent) in the future, but only after certain conditions—usually staying with the company for a set time or hitting performance goals—are met. Investors watch RSUs because when they vest they increase the number of shares outstanding and can lead insiders to sell shares, affecting share price, company dilution and the true cost of employee pay.

net settlement financial

"in connection with the net settlement of restricted stock units"

tax withholding and remittance obligations financial

"withheld by the Issuer to satisfy its tax withholding and remittance obligations"

Class A Common Stock financial

"Each RSU represents a contingent right to receive one share of the Issuer's Class A Common Stock"

Class A common stock is a category of a company’s shares that carries a specific set of ownership rights—most commonly defined voting power and claims on dividends—set out in the company’s charter. For investors it matters because the class determines how much influence you have over corporate decisions, the share’s likely dividend and trading behavior, and how it compares in value to other share classes, like choosing a particular seat with different privileges at the company’s decision-making table.

Form 4 Insider Transactions: What Each Field Means →

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 CALIFORNIA 94111

(City) (State) (Zip)

UNITED STATES

(Country)

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/15/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

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	05/15/2026		F		12,438(1)	D	$17.88	309,795(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	05/18/2026
	** 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.
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.
* Form 4: SEC 1474 (03-26)

FAQ

What did Chime Financial (CHYM) insider Adam B. Frankel report in this Form 4?

Adam B. Frankel, General Counsel of Chime Financial, reported a tax-related share disposition. The company withheld 12,438 shares of Class A Common Stock at $17.88 per share to satisfy tax obligations on vested restricted stock units, not as an open-market sale.

How many Chime Financial (CHYM) shares were withheld for taxes in this filing?

The filing shows 12,438 shares of Chime Financial Class A Common Stock were withheld. These shares covered tax withholding and remittance obligations arising from the net settlement of vested restricted stock units and were not sold on the open market by the reporting person.

Was Adam B. Frankel’s Form 4 for Chime Financial (CHYM) an open-market sale?

No, the Form 4 explicitly states the transaction does not represent a sale. Shares were withheld by Chime Financial solely to satisfy tax withholding and remittance obligations related to restricted stock unit vesting, a common administrative process rather than a discretionary stock sale.

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

Following the tax-withholding disposition, Adam B. Frankel directly holds 309,795 shares of Chime Financial Class A Common Stock. This post-transaction balance reflects his remaining equity stake after the company retained shares to cover tax obligations on vested restricted stock units.

What role do RSUs play in this Chime Financial (CHYM) Form 4 filing?

The Form 4 notes that certain securities are restricted stock units, each representing a right to receive one share. When these RSUs vested, Chime Financial withheld 12,438 shares to meet tax obligations, illustrating how equity compensation can trigger non-market share dispositions.