2/25 Direct Deposit Date - TurboTax with Chime - Let's Track Updates Together

I'm in the same boat! My DDD is 2/25 and I filed on January 27th. Fees were taken out on February 22nd according to SBTPG. Chime usually deposits 2-5 days early, so I'm expecting it tomorrow (2/23). Last year I got my refund on February 24th with a 2/26 DDD, so I'm hoping for the same pattern!

I think I might be able to help... I was really nervous about my refund timing too, so I used https://taxr.ai to check what my transcript codes meant. It helped me understand that my 846 code with the 2/25 date actually means the money is released to my bank on that date, not necessarily deposited. The tool explained that with Chime specifically, most people see it 1-2 days early. Maybe worth checking if you're trying to plan exactly when it'll arrive?

There are three steps for TurboTax with Chime. IRS approves refund. Santa Barbara takes fees. Money goes to Chime. You're at step two. Most get deposits 1-2 days before DDD with Chime. Not always though. Some wait until actual date.

For those waiting on their 2/25 direct deposit date with Chime: • SBTPG (Santa Barbara) typically processes within 24-48 hours of receiving funds • Fees showing as withdrawn means your refund is being processed • Chime typically releases funds as soon as they receive them • No movement by 2/26 indicates potential delay requiring IRS contact If you need to reach the IRS directly about delays, Claimyr (https://claimyr.com) can help you bypass the long hold times. I've found this invaluable during peak tax season when wait times exceed 2+ hours.

I've been tracking 137 data points from Reddit posts about Chime/TurboTax refunds over the past 42 days, and the pattern isn't as consistent as people claim. Only 68.4% of users with SBTPG fee withdrawal actually received their deposits early. The remaining 31.6% got it exactly on their DDD or even 1-2 days later. These "update each other" threads always end up with selection bias because only the early receivers post their success stories.

I think people are being too hard on the OP here. Compared to how bank transfers work in Europe or Asia, the US tax refund system is incredibly complex. In my home country, tax refunds come directly from the tax agency to your bank - no third party processors like SBTPG, no tax prep fees being deducted, and certainly no need to check multiple websites to track your money. It's surprising how many moving parts there are just to get your own money back!

I might be the good luck charm you need! My Chime deposit just hit about an hour ago (around 3:15pm EST). Same situation - 2/25 DDD, TurboTax with fees taken out yesterday. Seems like they're processing them in batches today. Probably depends somewhat on when you filed and which processing center handled your return, but there's definitely movement happening.

SUCCESS! Just received my ACH deposit notification from Chime at 4:22pm PT. The Transaction Detail shows "IRS TREAS TAX REF" with my full expected amount (minus the TurboTax fees that were already deducted). For anyone still waiting, make sure your Chime notifications are enabled so you don't miss it. The deposit posted exactly 2 days before my official DDD of 2/25.