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PSA: If you have notifications turned on in the Chime app, you'll get an alert as soon as it hits! Save yourself the constant refreshing
MVP right here 👆 just turned mine on
Same here with Chime! My DDD is March 6th too and I've been checking obsessively 😂 From what I've read, Chime usually releases 1-2 days early but it's not guaranteed. Last year my friend got hers 2 days early but mine only came 1 day early. Really depends on when the IRS actually processes and sends the payment info to the banks. Fingers crossed we see something tomorrow or Tuesday! 🤞
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Just want to add something important that nobody's mentioned yet. If your business is primarily providing personal services (like consulting), the IRS scrutinizes S Corp arrangements MUCH more closely. Look up "personal service corporation" rules. In your case, because the business value comes largely from you and your partner's personal expertise rather than equipment/inventory/employees, the IRS expects a higher percentage of profits to be paid as salary. I've seen cases where the IRS has reclassified ALL distributions as wages for businesses like law firms, medical practices and IT consulting where owners tried to take minimal salaries with large distributions. Document everything about how you determined your salary is "reasonable" - industry surveys, comparable positions, etc. Much safer to err on the side of higher wages, especially in service businesses.
This is exactly what I was worried about since we're a service business. Do you know how the IRS typically handles cases where they decide salaries were unreasonably low? Do they just reclassify distributions or are there additional penalties?
If the IRS determines your salary is unreasonably low, they'll typically reclassify some or all of your distributions as wages during an audit. This means paying back payroll taxes (both employer and employee portions) plus interest and possibly penalties that can range from 20-40% of the unpaid tax amount. The IRS can look back several years too, so if you've been doing this for multiple years, the liability compounds quickly. I've seen business owners hit with six-figure tax bills after reclassification. The burden of proof is entirely on you to demonstrate the reasonableness of your compensation. For service businesses, many tax professionals recommend allocating at least 60-70% of profits to salary to avoid scrutiny, though this varies by industry. The safest approach is getting a formal compensation study done for your specific role and region.
Something nobody's mentioned - the S Corp strategy works best when there's significant profit ABOVE what would be considered reasonable salary. If you're only making $120k total in the business and reasonable salary is $100k, the hassle of S Corp maintenance probably isn't worth the small tax savings. But at $375k with two owners, you're definitely in the sweet spot where this strategy makes sense, even with higher reasonable salaries than you initially planned. Just budget for proper accounting help - S Corps require more formal accounting, separate payroll processing, and have stricter compliance requirements than LLCs. The additional costs can eat into your savings if you're not prepared for them.
What would you say is the minimum profit level where the S Corp strategy starts to make sense? I'm making about $150k as a solo consultant and wondering if it's worth the extra hassle.
For solo consultants, the general rule of thumb I've seen is that S Corp election becomes worthwhile when you're making at least $60-80k above what would be considered reasonable salary for your role. At $150k, if reasonable salary for your consulting work is around $90-100k in your area, you'd potentially save about $2,000-3,000 annually in self-employment taxes on the remaining $50-60k taken as distributions. But you'll also have additional costs for payroll processing ($1,200-2,400/year), possibly higher accounting fees, and the administrative burden of quarterly payroll filings. The break-even point is usually around $120-140k total profit for most solo service providers. You're right at the threshold where it could make sense, but I'd recommend getting quotes for the additional compliance costs in your area first to see if the math works out.
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To all those having trouble reaching a human at IRS. I just ran across this video that gave me a shortcut to reach a human. Hope it helps! https://youtu.be/_kiP6q8DX5c
I'm in a similar situation - received my notice in early March and still waiting on the refund. From what I've read, the is experiencing significant processing delays this year. The 4-6 week timeframe they mention is more of a general guideline rather than a guarantee. I'd recommend checking your tax transcript online at irs.gov to see if there are any updates on your status. If it's been over 6 weeks since you received the CP12, you might want to call the hotline, though be prepared for long wait times. Hang in there - these refunds do eventually come through!
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For whatever its worth, I just got my refund yesterday after exactly 23 days (filed Feb 3, got refund Feb 26). No special credits or anything complex on mine tho. Direct deposit.
Did you have to do anything special or did it just suddenly show up? Mine's been 25 days and still nothing.
It just showed up without warning! The Where's My Refund tool was still saying "processing" in the morning, and then I happened to check my bank account in the afternoon and the money was there. The Where's My Refund tool updated to "sent" later that same day, so it seems the tool isn't always real-time. Maybe check your bank account directly instead of relying just on the IRS tool?
I'm in a similar boat - filed on February 15th and still waiting after 20 days. The "Where's My Refund" tool has been stuck on "processing" the entire time with no updates. Reading through these comments has been really helpful though! Based on what others are sharing, it sounds like 21+ days is becoming more normal this year due to increased fraud prevention measures. I'm going to wait until I hit the 21-day mark before I start worrying too much. For those dealing with longer delays, the suggestions about checking your tax transcript for specific codes and using services to get through to the IRS seem like good options if you're past the normal timeframe. Thanks everyone for sharing your experiences - makes me feel less alone in this waiting game!
Evelyn Kim
My experience with Chime has been inconsistent. Last year got it 2 days early, this year got it right on the DDD date. I think it depends on what time of day the IRS actually releases the payment batch.
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Eva St. Cyr
Chime user here! I've been using them for my tax refunds for the past 3 years. This year I got my deposit exactly 1 day early - my transcript showed a DDD of March 5th and it hit my Chime account on March 4th around 6 AM. In my experience, Chime typically gets deposits anywhere from same day to 2 days early, but it's not guaranteed. The timing really depends on when the IRS releases the batch and how quickly Chime processes it. I'd say expect it potentially 1-2 days early but don't count on it being more than that. Good luck!
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