I have Chime too and my DDD is also 03/06! I've been checking my account obsessively since yesterday. Nothing yet. Last year my refund came one day early, but from what I've read online it varies a lot. Have you received yours yet? I filed on February 2nd and had to wait forever for processing. This is the final stretch!

I'm also using Chime with a 03/06 DDD! Still waiting here too. From reading everyone's experiences, it seems like Chime's "early deposit" for tax refunds is pretty hit or miss - sometimes you get it 1-2 days early, sometimes right on the DDD, and occasionally even a day late. I've been refreshing my app way too much today 😅 The inconsistency is frustrating when you're planning around that money. At least we're not alone in this waiting game! I'll update if mine hits before the official date.

I think we're overcomplicating this. The Chase Sapphire travel credit is more like a discount on the annual fee than income. You pay $550/year for the card, get $300 back on travel purchases, so effectively you're paying $250 for the card benefits. Not income, just a partial refund of a fee you already paid.

This is such a relief to read everyone's responses! I've been in the exact same boat with my Chase Sapphire Reserve and was getting really anxious about whether I'd been filing incorrectly. The way everyone explains it as a purchase rebate/discount rather than income makes total sense. I'm curious though - has anyone dealt with the situation where you don't use the full $300 travel credit in a year? Like if I only spent $200 on travel, do I lose the remaining $100, or does it roll over? And does that change the tax implications at all? I had a lighter travel year in 2023 and I'm wondering if that affects anything for my return. Also really appreciate the tool recommendations - might check out taxr.ai just to double-check my other credit card benefits since I have a few cards with various perks and credits.

Quick question - if I've already invested in a QOZ in 2019, is there any way to "lock in" today's rates? Like could I recognize a portion of the gain voluntarily before 2026, or am I fully committed to whatever the rates will be then?

This thread has been incredibly helpful! I'm in a similar situation with QOZ investments from 2019, and the tax rate uncertainty has been keeping me up at night. One thing I haven't seen mentioned yet is the potential impact of the Net Investment Income Tax (NIIT). If capital gains rates do increase significantly by 2026, we might also be looking at the 3.8% NIIT on top of the regular capital gains rate for higher-income taxpayers. That could push the effective rate even higher than just the base capital gains increase. Has anyone factored the NIIT into their QOZ planning? I'm wondering if this additional layer of tax makes the 5-year option with the 10% step-up more attractive, even though it's a smaller basis reduction. The certainty of locking in current rates (including NIIT rates) might be worth more than waiting for the extra 5% basis step-up if we're facing potentially much higher combined rates in 2026.

Called IRS today about this exact issue. They said 6-8 weeks is standard procedure after a rejected DD. The rep told me they're actually moving pretty quick on these rn tho

Had this happen to me last year - took exactly 5 weeks from the rejection date to get my paper check. The most frustrating part is there's really no way to speed it up, you just have to wait for their system to process it. Keep checking your informed delivery if you have it set up so you know when it's coming. Hang in there!

Has anyone actually received a paper check after their direct deposit was rejected? I'm in week 12 of waiting and starting to think the IRS just keeps our money if the bank account is closed!!

I went through this exact same nightmare last year! My refund was sent to a closed Chase account in February and I didn't get my paper check until mid-May - so about 14 weeks total. The most frustrating part was that the IRS phone system kept telling me my refund had been "sent" without mentioning it was rejected. What finally helped was filing Form 3911 (Taxpayer Statement Regarding Refund) after the 10-week mark. This form basically forces the IRS to do a trace on your refund and can help speed things up. You can download it from IRS.gov and either mail it in or fax it to them. Also, make absolutely sure your current address is on file with them. Even though you said it's correct on your return, double-check by looking at your IRS online account or calling them. Sometimes there are formatting issues or apartment numbers that get dropped that can cause delivery problems. Hang in there - the money isn't lost, it's just stuck in their incredibly slow bureaucratic process!