Sec Form 3 Filing - King Ryan A @ Chime Financial, Inc. - 2025-06-11

FORM 3 Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

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, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL OMB Number: 3235-0287 Expires: November 30, 2011 Estimated average burden hours per response... 0.5

1. Name and Address of Reporting Person King Ryan A 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) Co-Founder (Last) (First) (Middle) C/O CHIME FINANCIAL, INC., 101 CALIFORNIA STREET, SUITE 500 3. Date of Earliest Transaction (MM/DD/YY) 06/11/2025 (Street) SAN FRANCISCO, CA94111 4. If Amendment, Date Original Filed (MM/DD/YY) 6. Individual or Joint/Group Filing (Check Applicable Line) __ X __ Form filed by One Reporting Person _____ Form filed by More than One Reporting Person (City) (State) (Zip)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned 1.Title of Security (Instr. 3) 2. Transaction Date (MM/DD/YY) 2A. Deemed Execution Date, if any (MM/DD/YY) 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 Common Stock ( 1 ) 201,075 ( 2 ) D Common Stock ( 1 ) 12,183,739 I See footnote ( 3 ) Common Stock ( 1 ) 900,000 I See footnote ( 4 ) Common Stock ( 1 ) 900,000 I See footnote ( 5 ) Common Stock ( 1 ) 303,930 I See footnote ( 6 ) Common Stock ( 1 ) 225,000 I See footnote ( 7 ) Common Stock ( 1 ) 87,700 I See footnote ( 8 ) Common Stock ( 1 ) 87,700 I See footnote ( 9 ) Common Stock ( 1 ) 87,700 I See footnote ( 10 ) Common Stock ( 1 ) 87,700 I See footnote ( 11 ) Common Stock ( 1 ) 87,700 I See footnote ( 12 ) Common Stock ( 1 ) 87,700 I See footnote ( 13 ) Common Stock ( 1 ) 87,700 I See footnote ( 14 ) Common Stock ( 1 ) 87,700 I See footnote ( 15 ) Common Stock ( 1 ) 43,850 I See footnote ( 16 )

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 (MM/DD/YY) 3A. Deemed Execution Date, if any (MM/DD/YY) 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 (MM/DD/YY) 7. Title and Amount of Underlying Securities (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 of Derivative Security: 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) $ 7.67 ( 17 ) 01/27/2030 Common Stock ( 18 ) 2,367,925 D Employee Stock Option (Right to Buy) $ 13.89 ( 19 ) 03/28/2033 Common Stock ( 18 ) 885,602 D Employee Stock Option (Right to Buy) $ 17.35 ( 20 ) 03/29/2034 Common Stock ( 18 ) 700,000 D Emp loyee Stock Option (Right to Buy) $ 17.35 ( 20 ) 03/29/2034 Common Stock ( 18 ) 200,000 D Performance Stock Units ( 22 ) ( 21 ) ( 21 ) Common Stock ( 18 ) 600,000 D

Reporting Owners Reporting Owner Name / Address Relationships Director 10% Owner Officer Other King Ryan A C/O CHIME FINANCIAL, INC. 101 CALIFORNIA STREET, SUITE 500 SAN FRANCISCO, CA94111 X Co-Founder Signatures /s/ Theresa Bloom, by power of attorney 06/11/2025 Signature of Reporting Person Date

Explanation of Responses:

( 1 )Immediately prior to the completion of the Issuer's initial public offering of Class A Common Stock (the "IPO"), each share of Common Stock shall be reclassified into one share of Class A Common Stock and such shares of Class A Common Stock shall be exchanged at a 1:1 ratio for shares of Class B Common Stock. ( 2 )Certain of these securities are restricted stock units ("RSUs"). Each RSU represents a contingent right to receive one share of the Issuer's Common Stock, subject to the applicable vesting schedule and conditions. ( 3 )The shares are held by the King Family Trust, for which the Reporting Person serves as attorney-in-fact. ( 4 )The shares are held by King Irrevocable Trust A, for which the Reporting Person serves as attorney-in-fact. ( 5 )The shares are held by King Irrevocable Trust M, for which the Reporting Person serves as attorney-in-fact. ( 6 )The shares are held by Peninsula Living Trust, for which the Reporting Person serves as attorney-in-fact. ( 7 )The shares are held by King Grantor Trust MV, for which the Reporting Person serves as attorney-in-fact. ( 8 )The shares are held by King Gift Trust AK, for which the Reporting Person serves as attorney-in-fact. ( 9 )The shares are held by King Gift Trust AV, for which the Reporting Person serves as attorney-in-fact. ( 10 )The shares are held by King Gift Trust CV, for which the Reporting Person serves as attorney-in-fact. ( 11 )The shares are held by King Gift Trust EK, for which the Reporting Person serves as attorney-in-fact. ( 12 )The shares are held by King Gift Trust LK, for which the Reporting Person serves as attorney-in-fact. ( 13 )The shares are held by King Gift Trust MK, for which the Reporting Person serves as attorney-in-fact. ( 14 )The shares are held by King Gift Trust NV, for which the Reporting Person serves as attorney-in-fact. ( 15 )The shares are held by King Gift Trust SK, for which the Reporting Person serves as attorney-in-fact. ( 16 )The shares are held by Maureen Vergara, a member of the Reporting Person's family. ( 17 )All of the shares subject to the option are fully vested and exercisable as of the date hereof. ( 18 )Immediately prior to the completion of the IPO, each share of Common Stock shall be reclassified into one share of Class A Common Stock. ( 19 )This option, originally for 900,000 shares, vested as to 1/48th of the shares on April 29, 2023 and 1/48th of the shares vest monthly thereafter, subject to the Reporting Person's continued service through each vesting date. ( 20 )1/48th of the shares subject to the option vested on March 15, 2024 and 1/48th of the shares vest monthly thereafter, subject to the Reporting Person's continued service through each vesting date. ( 21 )The performance stock units vest based on the Issuer's stock price performance over a performance period beginning on the first trading day immediately following a 180 calendar day period that begins on (and includes) the first trading day after the IPO and ends on the eighth anniversary of the first trading day after the IPO, subject to the Reporting Person satisfying certain service-based conditions. ( 22 )Each performance stock unit represents a contingent right to receive one share of the Issuer's Common Stock, subject to the applicable vesting schedule and conditions.

Remarks: Exhibit 24 - Power of Attorney

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.