$10,738 Refund Status Changed from "Delivery" to "Pending" on TurboTax on Expected Deposit Day (May 12) - Filed January 20, Will I Still Get My Money?

This is actually normal and happens quite often when refunds are about to be sent. The "pending" status typically means the IRS has approved your refund and is in the process of sending the funds to your bank. The status in the TurboTax app is separate from the actual IRS processing. I would recommend checking the official "Where's My Refund" tool on the IRS website (https://www.irs.gov/refunds) for the most accurate status. If that shows your refund is approved, you're fine. Also, even though the date was estimated for today, it can sometimes take 1-3 additional business days for the bank to process the deposit, especially with larger refund amounts over $10k. Chime usually posts deposits early, but there can still be delays with IRS refunds. I wouldn't worry yet - give it until the end of the week before contacting anyone.

I was in the exact same position as you last month! Driving myself crazy trying to figure out what all the status changes meant. Finally found this tool called taxr.ai that actually explained everything on my transcript in plain English and predicted exactly when my refund would arrive. Saved me so much stress from the guessing game. It's insanely good! I use it every week now just to keep an eye on things. https://taxr.ai

After dealing with this exact problem and getting nowhere for weeks, I finally used a calling service called Claimyr to get through to an actual IRS agent (claimyr.com). The agent confirmed my refund was approved but got flagged for additional review because of the amount. After she cleared it, my money showed up 2 days later. Talking to a real person was the only way I got this resolved - best investment I ever made after weeks of frustration! The agent told me large refunds often get additional review even when everything is correct.

I bank with Chime and had this happen. TurboTax app is super glitchy - try logging out completely, clearing cache/cookies, and logging back in. Sometimes the status doesn't update correctly. Mine showed pending for days then suddenly updated to show it had already been deposited (which it had). The TT app is not connected directly to IRS systems in real-time.

Refunds over $10k often get additional security screening. I learned this the hard way last year. My refund was about $11,300 and got held up for an extra 10 days for "verification" even though nothing was wrong with my return. Just be patient, large refunds take longer.

The TurboTax app is TRASH for status updates. Always check the actual IRS website. TurboTax just guesses half the time and causes unnecessary panic. I've had mine show "pending" when the money was already in my account 🤡

I work in banking (not for Chime). Large deposits sometimes trigger additional verification steps, especially from government sources. If your refund is over $10k, it might be held for 24-48 hours for verification before posting to your account. This is standard anti-fraud procedure. Nothing to worry about but might cause a slight delay.

Call the IRS!!!! Don't just wait. I had something similar happen and it turned out there was a problem with my direct deposit info. The sooner you call, the sooner you can fix any issues. The number is 1-800-829-1040 but good luck getting through...

Chime has been having some issues with large deposits lately. My sister had a similar situation where her tax refund was delayed by 2 days even after the IRS sent it. Chime's fraud department sometimes holds larger deposits for review. You might want to contact Chime's customer service to see if they're holding it.

If your direct deposit date was today but status changed to pending, it could mean its being routed through the Bureau of Fiscal Service for verification. This is super common with refunds over 10k and often happens at the last minute. My wifes refund went through this last year and arrived 4 business days after the original date. Its annoying but normal.

I've seen this exact issue come up in multiple Facebook groups I'm in. It seems TurboTax has a glitch in their system right now that's affecting status displays. Several people reported the pending status right before their deposits hit. Don't rely on TurboTax for status - use the IRS where's my refund tool instead!

Check your transcript!!!! The WMR tool can be wrong. Only your transcript will show the real status and if there are any holds or verification codes. I learned this the hard way after waiting weeks for a refund that was never coming because of an audit code I didn't know about.

Anyone else notice that TurboTax status updates have been super unreliable this year? Mine kept bouncing back and forth between different messages for weeks. The IRS Where's My Refund tool is the only one you should trust. Don't panic yet OP.

Do you have an amended return or offsets? Child support? Student loans? Back taxes? Any of these could cause your refund to be reduced or redirected at the last minute. If so, the pending status might mean they're adjusting your refund amount.

I was in EXACTLY your position two weeks ago with almost same amount ($12k refund). After stressing for days, I finally used taxr.ai to analyze my transcript - turns out I had a random verification flag that wasn't even visible on Where's My Refund! The tool gave me a new expected date and sure enough the money arrived exactly on that day. Saved me so much stress when I could actually understand what was happening instead of guessing. https://taxr.ai

I'm a tax preparer and I see this all the time. TT's status updates are notoriously inaccurate. It's most likely that your refund is just moving from one processing stage to another in the IRS system. As long as WMR shows approved, you're good. The fact that you bank with Chime is actually a good thing - they typically post deposits faster than traditional banks once they receive the funds.

For what its worth, I finally got thru to the IRS after trying for literally weeks with that stupid automated system that keeps hanging up. I found this service called Claimyr that got me connected to an agent in about an hour. The agent told me that refunds over $10k automatically get additional review which can add a few days. Nothing to worry about if your return is legitimate. Just sharing in case you want to verify directly with IRS! their site is claimyr.com

Happens every year 🙄 The status means nothing, they use the same generic messages for everything. Last year mine said "still processing" the day AFTER it hit my account lol. Just wait a couple more days before panicking.

Not sure if this will make you feel any better, but I have Chime and my status changed to pending right before my deposit hit last year. My refund was around 9k and it posted about 36 hours after the pending status appeared. Just be patient!

Double-check your bank account info on your return. My friend had this happen and it turned out she had one digit wrong in her account number. Her refund got sent back to the IRS and she had to request a paper check which took 6 more weeks. Hopefully that's not your situation but worth checking!