There are actually some important nuances to understand about how the IRS payment system works with online banks like Chime. The Treasury Financial Management Service (FMS) typically initiates payments on the scheduled date, but there's often a 24-72 hour processing window, particularly when the deposit date falls on a Friday. Additionally, Chime specifically has been known to occasionally hold tax refunds for additional verification, especially for first-time direct deposits to their accounts. This is likely what you're experiencing, and in approximately 95% of cases, the deposit appears by the next business day after the weekend. If you don't see it by Tuesday morning, that would be the appropriate time to contact both Chime and potentially the IRS.

Same boat here w/ Chime. DD date 3/29, still nothing. Called IRS this AM & they said it was sent but could take 5 biz days to show up. Chime says they post $ as soon as they get it but nothing on their end yet. Frustrating AF but sounds like we just gotta wait till Tues/Wed. Wouldn't worry unless it's still MIA by Thurs tbh.

I was in your exact position last year! Had a DDD of 2/24, didn't see anything until 2/28. What worked for me was setting up alerts with my bank for any deposits over $100. That way I wasn't constantly checking my account and stressing myself out. Ended up using the delay time to price-compare some medical providers since I also needed the refund for healthcare costs. Found a place that was $200 cheaper than where I was planning to go!

I track my refunds meticulously every year using the Transaction Code timeline. After your DDD (TC 846) appears on your transcript, the Treasury Financial Management Service (FMS) initiates the ACH transfer to your bank's routing number. For my February 19th DDD this year, the funds weren't available until February 22nd. The Federal Reserve's Automated Clearing House operates on business days only, which explains the Monday likelihood. For medical expenses, you might want to contact the provider's billing department while waiting - many offer temporary holds when you can show proof of incoming funds.

What tax software did you use to file? I'm trying to figure out if certain preparation services have faster SBTPG processing than others. Did you have any special credits or deductions on your return that might have triggered additional verification?

YESSS!!! 🙌 I've been STRESSING about this exact same thing! My SBTPG has been funded since TUESDAY and I've been checking literally every hour! Everyone I know got their money already and I was starting to panic that something went wrong with my divorce situation too! This gives me hope mine will update soon! Sending good vibes that your money hits your account ASAP! 💰💰💰

Have you checked if there might be a state tax offset? Sometimes state debts can be collected from federal refunds without showing on your federal transcript. I had this happen last year with an old parking ticket I'd forgotten about!

This is way more common than you'd think. My refund was $341 less than what TurboTax calculated, while my brother's was spot on. Called the IRS and found out they adjusted my education credits because I accidentally claimed expenses that were paid in January 2024 instead of December 2023. Unlike some other tax situations where they send notices, these small math corrections often happen without explanation. Super annoying compared to how my state processes returns with detailed explanations for every change.

Try calling SRP directly. Ask for pending deposits. They might see it already. SBTPG systems are overloaded right now. Tax season peak time. Sometimes they don't update until after deposit hits. Worth a quick call.

Based on what I've seen in the community, about 78% of people with this SBTPG issue still receive their funds within 48 hours of their DD date. Credit unions specifically tend to process government deposits in batches at 10am and 2pm. For SRP specifically, I've noticed from other posts that they typically release IRS funds within 24 hours of receiving them, even when SBTPG shows no information. I was so relieved when mine came through despite the tracker never updating!