Chime Financial, Inc.

Chime helps everyday people manage their financial lives by offering easy-to-use products through direct relationships with FDIC-insured bank partners. The company focuses on the nearly 75% of the adult U.S. population earning up to $100,000 annually. Chime's products address critical financial needs including spending, saving, accessing liquidity, and building credit, all while avoiding punitive fees. As of December 31, 2025, Chime has built trusted relationships with 9.5 million Active Members, with most using Chime as their primary financial relationship. This positions Chime as their central financial hub, where members consistently deposit paychecks and conduct everyday spending. Chime's proprietary technology platform and digital-first approach provide a cost-to-serve advantage and faster innovation compared to traditional banks. The company's payments-based business model generates revenue primarily when members spend using a Chime-branded debit or credit card, through fees paid via card networks, rather than fees paid by members directly to Chime. Recurring paycheck deposits also enable Chime to offer members access to short-term credit and liquidity products.