Chime Financial, Inc.

Chime Financial, Inc. – Class A Common Stock represents ownership in Chime Financial, Inc., a financial technology company that delivers digital banking and payment solutions designed for everyday consumers. Through its flagship Chime mobile banking app, it provides fee-free services including checking and high-yield savings accounts, early direct deposit access up to two days ahead, SpotMe fee-free overdraft up to $200 for eligible members, and the Secured Credit Builder Visa Credit Card with no interest, annual fees, or credit check to help build credit. Additional features encompass MyPay for wage access up to $500 before payday without interest or mandatory fees, Pay Anyone for instant transfers, Chime Card with 1.5% cash back on purchases, Chime Deals for cash-back rewards, and Chime Workplace for employee financial wellness. Chime partners with FDIC-insured banks like The Bancorp Bank, N.A. and Stride Bank, N.A. to ensure deposit safety, relying on interchange fees from merchants rather than overdraft or service charges. This member-first model promotes spending, saving, liquidity, credit building, and financial education, serving millions seeking accessible, transparent banking alternatives. Founded in 2012 and headquartered in San Francisco, California, Chime Financial, Inc. plays a pivotal role in modernizing consumer fintech with innovative, low-cost tools.