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.

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! 💰💰💰

Banking systems are like those old plumbing systems - the water is in the pipes but hasn't reached your faucet yet! Your money is definitely on its way, just stuck in the weekend banking traffic jam. I'd suggest calling Netspend's customer service line directly. Sometimes they can manually release pending deposits if you explain your situation. I've had them do this before when I needed funds urgently. Worth a shot rather than waiting until Monday, especially with your visa situation.

Have you tried checking your Netspend account through their website instead of the app? Sometimes the website updates before the app does. I had a similar situation last month where my tax refund showed as funded on Friday but with a previous date. I kept checking obsessively and it actually appeared Saturday morning around 10am! Did you set up text alerts with Netspend? That's how I knew mine had arrived before I even checked the app. Fingers crossed you get yours before Monday!

I've had Chime for three tax seasons now, and I swear they have a sense of humor about when they release tax refunds 😂 Last year my DDD was a Tuesday, and the money showed up at like 9:30pm Wednesday night just when I'd given up checking! The IRS releases the funds on the DDD, then there's ACH processing time, then Chime has to do their thing. Give it until tomorrow night before you really start worrying. At least you're not waiting for a paper check - those can take WEEKS after the mail date!

Just got my refund today with a 2/26 DDD! It hit my Chime account at 3:42pm EST. I was in the same situation - called the IRS after getting locked out of WMR. The IRS representative confirmed my DDD and explained that the Treasury Department (different from the IRS) handles the actual fund disbursement. The ACH transfer protocol typically takes 24-36 hours from the DDD to complete processing. Keep an eye on your Chime notifications!

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!