Chime Financial (CHYM) General Counsel awarded options and RSUs

Rhea-AI Filing Summary

Chime Financial, Inc. General Counsel Adam B. Frankel reported equity compensation awards. He received an employee stock option for 225,142 shares of Class A Common Stock at an exercise price of $21.62 per share, expiring on March 11, 2036. He also received 112,571 shares of Class A Common Stock in the form of restricted stock units, bringing his direct common stock holdings to 322,233 shares after the grant.

The RSUs vest in 16 equal quarterly installments starting on May 15, 2026, contingent on continued service. The stock option vests over 48 monthly installments beginning on March 15, 2026, also subject to continued service.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider FRANKEL ADAM B

Role General Counsel

Type	Security	Shares	Price	Value
Grant/Award	Employee Stock Option (Right to buy)	225,142	$0.00	--
Grant/Award	Class A Common Stock	112,571	$0.00	--

Holdings After Transaction: Employee Stock Option (Right to buy) — 225,142 shares (Direct); Class A Common Stock — 322,233 shares (Direct)

Footnotes (1)

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-sixteenth (1/16th) of the RSUs shall vest on May 15, 2026 and quarterly thereafter, subject to the Reporting Person continuing as a service provider through each such date. 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. 1/48th of the shares subject to the option will vest on March 15, 2026 and 1/48th of the shares vest monthly thereafter, subject to the Reporting Person's continued service through each vesting date.

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 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)
03/12/2026

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	03/12/2026		A		112,571(1)	A	$0	322,233(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
Employee Stock Option (Right to buy)	$21.62	03/12/2026		A		225,142		(3)	03/11/2036	Class A Common Stock	225,142	$0	225,142	D

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-sixteenth (1/16th) of the RSUs shall vest on May 15, 2026 and quarterly thereafter, subject to the Reporting Person continuing as a service provider through each such date.

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.

3. 1/48th of the shares subject to the option will vest on March 15, 2026 and 1/48th of the shares vest monthly thereafter, subject to the Reporting Person's continued service through each vesting date.

Remarks:

	/s/ Theresa Bloom, by power of attorney	03/16/2026
	** 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.

FAQ

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

Chime’s General Counsel, Adam B. Frankel, reported receiving equity compensation awards, including stock options and restricted stock units. These are non-cash grants tied to continued service, not open-market share purchases or sales, and are structured to vest over several years.

How many stock options did Chime Financial (CHYM) grant to its General Counsel?

Adam B. Frankel received an option to buy 225,142 shares of Chime’s Class A Common Stock at $21.62 per share. The option expires on March 11, 2036 and vests in 48 monthly installments, starting on March 15, 2026, subject to continued service.

What restricted stock unit (RSU) award did Chime Financial (CHYM) grant in this Form 4?

The Form 4 shows a grant of 112,571 restricted stock units to Adam B. Frankel. Each RSU represents one share of Class A Common Stock, vesting in 16 equal quarterly installments beginning on May 15, 2026, provided he remains a service provider.

How did these grants affect Adam B. Frankel’s Chime Financial (CHYM) share holdings?

Following the RSU grant, Adam B. Frankel’s direct holdings of Chime Class A Common Stock increased to 322,233 shares. This figure reflects his position after the reported acquisition transaction and does not include unvested RSUs or unexercised stock options.

Are the Chime Financial (CHYM) equity awards to the General Counsel tied to performance or service?

The equity awards are tied to continued service. RSUs vest quarterly starting May 15, 2026, while the stock option vests monthly from March 15, 2026. Each vesting installment requires Adam B. Frankel to continue as a service provider through the vesting dates.

Do the Chime Financial (CHYM) Form 4 transactions involve open-market buying or selling?

No, the transactions are classified as grants or awards, not open-market trades. The Form 4 records equity compensation in the form of stock options and RSUs awarded at no purchase price, rather than shares bought or sold on the open market.