Telephone Use Agreement

Chime Financial, Inc
Telephone Use Agreement

Please read this Telephone Use Agreement (the “Agreement’) carefully. This Agreement sets forth a legal agreement between you (“you” or “your”) and Chime Financial, Inc (“Chime”), its subsidiaries and affiliates, and/or service providers (collectively, “Chime”, “we”, “us” and/or “our”) regarding how we communicate with you. This agreement applies to both informational (including transactional) and marketing text messages (e.g., SMS, MMS, RCS, or successor protocols and technologies) and voice calls (including but not limited to those made with an automatic telephone dialing system (“ATDS”) or artificial/prerecorded voice) (collectively, “Communications”). By using our websites, mobile application and/or technology platform or enrolling in Communications from us (collectively “Chime Services”), you agree, on behalf of yourself and others who use any Chime Services under your account, to the following conditions. Chime may, from time to time, modify the Agreement. Please check this Agreement periodically for changes. Your continued use of Chime Services after the changes become effective constitutes your binding acceptance of such changes.

By providing us with a telephone number or email address, including a mobile telephone number (telephone number and email address (to the extent an email is connected to a text-messaging feature on your device) collectively “telephone number”), you expressly consent to receive recurring Communications by or on behalf of Chime, and Chime’s bank partners, The Bancorp Bank, N.A. and Stride Bank, N.A., at that telephone number for account-related purposes, including but not limited to account updates, security alerts, identity verification, and fraud detection. You acknowledge and agree that the Communications may be transmitted to you by various means, including, but not limited to, live telephone calls, pre-recorded or artificial voice messaging calls, text messages, and/or calls made by an ATDS. Your consent to automated marketing Communications is not a condition of any purchase or use of Chime Services.

If you participate in the Pay Anyone Transfer Service (“Pay Anyone”), the payment service described in The Bancorp Bank, N.A. Deposit Account Agreement or Stride Bank, N.A. Deposit Account Agreement, in order to receive such services, you expressly consent to the receipt of emails or automated text messages from us, our service providers, and from those that are sending you money or requesting money from you. If you provide us with the telephone number of any other person or entity when initiating or requesting a payment through Pay Anyone, you represent and warrant to us that the person or entity has consented to receive automated text messages from us related to that payment.

This express consent applies to every telephone number that you provide to us now or in the future. You will notify us immediately if you change or surrender any telephone number you have provided to us. You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to us or our service providers for the duration of your business relationship, to help them identify you or your wireless device and to prevent fraud.

Message and data rates may apply. Message frequency may vary. We, our service providers, and the wireless carriers are not liable for undelivered or delayed text messages. Please consult your wireless provider with any questions about your text or data plan.

Your consent to receive automated and/or marketing Communications is completely voluntary. You may opt-out at any time, including by replying “STOP”, “CANCEL”, “END”, “QUIT”, OR “UNSUBSCRIBE” in response to any text message from us or by calling (844) 244-6363 and specifying that you want to opt out of automated Communications. Text “HELP” if you want more information about text messages or for assistance. When opting out via text message, you acknowledge and agree to accept a final text message confirming your opt-out; this text message may also seek to clarify the scope of your opt-out. You waive any rights to bring claims for unauthorized or undesired messages by failing to opt-out immediately or by failing to follow these instructions. Please allow up to ten (10) business days (unless otherwise required by applicable law) to process any opt-out request. It is possible that third parties may have your contact information and you may continue to receive communications from these third parties despite an opt out request you make to us. We are not responsible for unwanted contact from third parties. Please contact third parties directly to inform them of your communication preferences.

Please read the Chime privacy notice at: https://www.chime.com/policies/chime/privacy-policy/, which also governs your use of Chime Services.

Effective as of 2/2026