FWIW, the Chime subreddit has a whole megathread about tax refunds rn. Seems like most ppl with DDDs between 2/20-2/24 are getting them 1-2 days early. But there's always exceptions. Some banks (esp credit unions) don't process on weekends, but Chime does. IMO it's better to assume it'll come on the actual DDD and then be pleasantly surprised if it shows up early. Don't make any financial commitments based on getting it early!

I'm in the exact same situation! My transcript shows DDD 2/24/2025 and this is also my first year with Chime. Based on what everyone's saying here, it sounds like there's a good chance we'll see it tomorrow or Friday, but I'm trying not to get my hopes up too much. I've been checking my account way too often already 😅 One thing I learned from reading through these comments is that it really depends on when the IRS actually sends the payment file to the banks. The transcript just shows the "official" date, but the actual timing can vary. I'm going to follow the advice about not planning any expenses around getting it early - better to be surprised than disappointed! Thanks for starting this thread, it's been super helpful to see everyone's experiences with Chime and tax refunds!

I've been dealing with IRS phone issues for over a year now (unfortunately became an expert through necessity!), and this thread has some of the best consolidated advice I've seen anywhere. A couple additional tips that have worked for me: **For those getting disconnected frequently:** Try calling from a different area code if possible. I noticed I had better luck when calling from my office landline (different area code) versus my home phone. Not sure if it's coincidence, but worth trying if you keep getting dropped. **Timing hack:** The IRS phone system actually "pre-opens" about 2-3 minutes before the official 7 AM opening. If you call at 6:58 AM and get the "we're currently closed" message, just stay on the line - you'll automatically be transferred to the queue when they open, often ahead of people who call exactly at 7:00. **Document prep:** Create a simple one-page "cheat sheet" with your key info: SSN, spouse's SSN (if applicable), previous year AGI, current address, phone numbers, and any relevant notice numbers. Having it all in one place prevents fumbling when the agent asks rapid-fire verification questions. Really appreciate everyone sharing their experiences here - it's proof that persistence and community knowledge can help navigate even the most frustrating government systems! 💪

I've been struggling with this exact same issue for weeks now! Reading through everyone's experiences here has been incredibly helpful and honestly such a relief - I was starting to think I was doing something fundamentally wrong. The variety of successful strategies people have shared gives me so much hope. I'm particularly interested in trying the Taxpayer Assistance Center line (1-844-545-5640) that several people have had success with, especially since @Zoe Kyriakidou reported getting through in just 18 minutes with a much simpler menu system. The timing tips are also invaluable - I had no idea that calling at 6:58 AM could get you ahead in the queue when they open at 7:00. For context, I need to discuss a discrepancy on my transcript that's holding up my refund, and I've been dreading the phone marathon everyone talks about. But seeing so many success stories here, especially with the specific button sequences and alternative phone lines, makes this feel much more manageable. Thank you all for creating such a supportive community around what is honestly one of the most frustrating aspects of dealing with taxes. I'll definitely report back once I successfully get through using these strategies! 🤞

I feel your anxiety! 😭 I've been using Chime for years and usually get everything 1-2 days early too. But with tax refunds, I've noticed they sometimes come exactly on the IRS date instead of early - I think it's because the IRS processes them differently than regular payroll. Since you have an official date for tomorrow, I'd say there's a 99% chance it'll hit your account by end of day tomorrow. Try not to stress too much (easier said than done, I know!). The IRS is pretty reliable with their deposit dates once they give you one! 🤞💰

I'm going through the exact same thing right now! 😅 Also have Chime and my refund date is tomorrow, but nothing yet. I've been checking my account obsessively all day. From what I've read, tax refunds sometimes don't follow the same early deposit pattern as paychecks - the IRS might release them exactly on the scheduled date. Trying to stay calm but it's hard when you're expecting that money! Hopefully we both wake up to good news tomorrow morning! 🤞💸

Same DDD here! 2/28 with Chime and nothing yet either. Last year mine came on Thursday (3 days early) so I'm hoping for tomorrow or Friday. The waiting game is torture but hang in there! 🤞

Same situation here with 2/28 DDD! I've had Chime for 3 years and they're usually pretty consistent with the early deposits. From my experience, Tuesday-Wednesday is when they typically release for Friday DDDs. Try not to stress too much - I know it's easier said than done when you're refreshing constantly! The money will hit when it hits 🙂

Anyone know which EVs still qualify for the full $7500? I heard some only get partial credits now because of battery component requirements?

This is exactly the kind of strategic tax planning that more people should be doing! I went through this same situation last year when I bought my Model Y. One thing I'd add - make sure you time your EV purchase correctly. The credit only applies in the tax year you take delivery of the vehicle, not when you order it. So if you're planning to buy early in 2025, you might want to wait until you've had a few months of adjusted withholding to make sure your strategy is working. Also, keep detailed records of your withholding adjustments. I created a simple spreadsheet tracking my monthly withholding changes and projected tax liability. This helped me fine-tune the W-4 adjustments mid-year when I realized I was on track to owe slightly more than the credit would cover. The peace of mind from maximizing that $7500 credit is totally worth the extra planning effort!