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I would caution against assuming there's a problem just yet. The IRS processing times have been... unpredictable in recent years. While most returns might process within the standard 21-day window, many perfectly fine returns take longer, especially during peak filing season. It might be worth checking your transcript if possible, though sometimes even that shows nothing until processing is complete. The mortgage interest and property tax deductions probably aren't causing delays unless there's a significant mismatch with what your lender reported.
Based on the 2024 filing patterns I've been tracking since January 29th, Chime and other online banks are consistently releasing funds 1-3 days before the official DDD. I received my own refund on February 14th despite having a DDD of February 16th. If you have a traditional bank, expect the funds on your actual DDD, not before. The trace number appears approximately 24-36 hours before the deposit hits your account.
I've seen this happen with multiple online banks, not just Chime. Last year I had my refund go to Current and it arrived 2 days early. The year before that I used Cash App and it was 1 day early. It's definitely a feature of these fintech banks, not just luck or coincidence. Has anyone tried Varo this year? I'm wondering if they're also releasing funds early like they did last tax season.
Does anyone know if this applies to amended returns as well? I filed my original return on February 15th but had to submit an amendment on March 10th. Should I expect the same timeline, or does the amendment restart the clock entirely?
When you filed your amendment, did you receive any acknowledgment from the IRS? I'm in a similar situation and wondering what to expect.
I amended my return last year on March 5th after filing the original in February, and it took exactly 16 weeks to process. The IRS says to allow up to 20 weeks for amended returns, and in my experience, they use most of that time.
Let me clarify something important about these deposit dates. The DDD on your transcript is the date the IRS releases the funds, not necessarily when you'll see it in your bank account. Depending on your financial institution, it could be same-day or take up to 5 business days. This is different from tax returns filed in January, which often process faster because the volume is lower compared to February filings.
This is really helpful information! I was wondering why there seemed to be a discrepancy between when people report getting their refunds versus the dates on their transcripts.
SUCCESS! Filed 2/14, transcript updated today with DDD of 4/9! For anyone still waiting, I highly recommend checking your transcript instead of WMR. My WMR still shows only the first bar, but transcript has all the details including the 846 code with the direct deposit date. According to the r/IRS megathread, most 2/14-2/16 filers are seeing updates this week. Check https://www.irs.gov/individuals/get-transcript if you haven't already!
Malik Thomas
Been trying to call the IRS to check on mine (also Chime, also NC) and it's impossible to get through. Spent 3 hours on hold yesterday before getting disconnected. Anyone know a better way to reach them?
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Isabella Oliveira
ā¢I was in the same boat last week and used Claimyr.com to get through to the IRS. They called me back when an agent was available instead of me sitting on hold for hours. Actually spoke to someone who confirmed my refund was approved and gave me the exact deposit date. Worth every penny since I needed that info for planning some bills. Here's their link: https://youtu.be/_kiP6q8DX5c
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Javier Gomez
Just got mine today! Chime user in Greensboro. Filed Feb 3rd, had the PATH Act delay, but it finally came through. Hang in there!
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