According to Chime's support page (https://help.chime.com/hc/en-us/articles/115004320868-What-are-the-daily-spending-limits-with-my-Chime-Visa-Debit-Card-), you might be able to work around this by doing a "cash back" transaction at a grocery store. I've done this before when I needed more than the ATM limit would allow. Just buy something small like a pack of gum, then ask for the maximum cash back they'll allow. Walmart sometimes allows up to $100-$200 cash back per transaction. You could do multiple transactions in the same day at different stores to get more of your money. Just be a bit careful as some stores might find it suspicious if you do too many back-to-back transactions.

I'm dealing with this same issue right now! Just got my refund deposited to Chime yesterday and was shocked when I could only pull out $500 at the ATM. I had no idea about these limits beforehand. A few things I've learned from calling around today: - Some credit unions will do "cash advances" from your debit card for higher amounts than ATM limits (usually $1000-2000) - You can also try going to a Chime partner bank location - they sometimes have different limits for in-person transactions - If you have Zelle or Venmo linked to another account, you can transfer through those apps too The ACH transfer suggestion is probably your best bet for the full amount, but definitely start it ASAP since it takes a few business days. I'm learning all this the hard way because I also have a tuition payment due soon. Good luck!

Has anyone used TurboTax for handling the 1099-K for online selling? I'm wondering if it walks you through this properly or if I should use something else.

One thing I'd add to all this great advice - don't stress too much about the gap between your 1099-K and net income. It's actually really common for resellers to have large differences because platforms report gross payment processing volume, not actual profit. I've been selling vintage items on multiple platforms for 3 years now and my 1099-K amounts are always 3-4x higher than my actual business income after expenses. The key is just keeping good records like you're already doing. Make sure you're tracking platform fees separately from shipping costs though - they go on different lines of Schedule C. Platform fees like Poshmark's 20% commission go under "Commissions and fees" while shipping you pay out of pocket goes under "Other expenses" with a description. Your detailed spreadsheets sound perfect for this - you're already ahead of most sellers who get these forms!

This is such a helpful thread! I'm dealing with the exact same RSU confusion this year. One quick question - when you're entering the correct cost basis from the supplemental statement, do you need to make any adjustments for the shares that were automatically sold to cover taxes at vesting? My company withheld about 40% of my vested shares for tax withholding, so I'm not sure if I should be tracking the cost basis for those withheld shares differently since I never actually received or sold them myself. The supplemental statement seems to only show the shares I actually sold later, not the ones that were automatically withheld. Also seeing a lot of mentions of taxr.ai in this thread - definitely going to check that out since TurboTax is making this way more complicated than it needs to be!

This thread has been incredibly helpful! I'm a newcomer dealing with my first year of RSU taxation and was completely overwhelmed by the double reporting issue everyone's describing. One additional tip I discovered while researching this - if you're using tax software that doesn't handle RSUs well, make sure to keep detailed records of all your equity transactions. I created a simple spreadsheet tracking each vesting date, number of shares, vesting price, and any subsequent sales with dates and prices. This made it much easier to cross-reference with my W2 and 1099 documents. Also, for anyone else just starting with RSUs, it's worth understanding the tax implications before you sell. I almost made the mistake of selling everything at once without realizing the capital gains implications if the stock had appreciated significantly since vesting. Thanks to everyone who shared their experiences with taxr.ai and the IRS contact service - definitely going to look into both of those resources!

Don't forget that your employer legally has to provide your W-2 by January 31st. If they haven't, they're actually violating tax law. Maybe try emailing or calling them and mention this deadline - sometimes just letting them know you're aware of the legal requirement can light a fire under them!

Great advice in this thread! Just wanted to add that if you do end up needing to file Form 4852 (substitute W-2), make sure to keep detailed records of everything - your final pay stub, any correspondence with the employer, dates you tried to contact them, etc. The IRS may ask for documentation later to support your substitute form. Also, one thing I learned the hard way - if your short-term job was in a different state than your main job, you might need to file tax returns in both states. Each state has different rules about when you need to file, so double-check the requirements for wherever that summer job was located. Some states require filing even for small amounts of income. Good luck with getting this sorted out! It's stressful but definitely manageable with the right approach.

I went through this last year. So stressful. They questioned my niece as my dependent. I had full custody. They wanted school records. Medical records too. And proof of support. Took almost 4 months total. The waiting was awful. But I got everything resolved. Keep really good records. Make copies of everything. Send certified mail. Follow up every two weeks. Don't miss any deadlines. Good luck!

I'm currently going through something similar - got my audit notice last month for dependent verification. One thing I learned early on is to organize everything by dependent and by requirement. The IRS typically wants proof of four things: relationship, residency, age, and support. For relationship: birth certificates, adoption papers, or court custody documents. For residency: school enrollment records, medical records with your address, or utility bills showing the dependent lived with you. For age: birth certificates usually cover this. For support: keep receipts for food, clothing, medical expenses, school costs - anything showing you provided more than half their support. Timeline-wise, mine has been about 2.5 months so far and still ongoing. The initial response took them 6 weeks to acknowledge, then they requested additional documentation. Now I'm waiting again. The key is staying proactive - don't just wait for them to respond. Call every few weeks to check status and make sure nothing got lost in their system. Also, if you're dealing with divorced parents or split custody situations, get copies of your divorce decree or custody agreement. That was the game-changer in my case - clearly showed which years I had the right to claim.