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I believe I might be able to help explain what's happening with your specific situation. The state and federal refund systems operate on completely separate processing schedules, which is why you received your state refund first. For Chime accounts specifically, there appears to be a potential pattern this tax season where: ⢠If your DD date falls on a Tuesday (like your 3/12), deposits typically arrive Monday afternoon or Tuesday morning ⢠The system seems to process batches around 10am, 2pm, and 4pm Eastern ⢠Some users report that checking your Chime account too frequently can sometimes delay the notification It's perfectly normal to still be waiting, and I wouldn't be concerned unless it hasn't arrived by the end of day tomorrow. I hope this helps ease your mind somewhat during this waiting period.
According to the IRS2Go app and several reputable tax forums, Chime's early deposit feature works differently with government refunds than with regular paychecks. The IRS sends refunds in batches, not continuously throughout the day. If you check the Chime subreddit, you'll see most people with 3/12 dates are still waiting too. The real pattern I've noticed from tracking these posts is that your state's processing efficiency has little correlation with federal timing. Don't stress unless you pass your actual DD date without receiving funds.
Be careful about assuming you'll get your refund without warning! Last year I never saw updates on the website, but instead of getting my refund, I got a CP05 letter requesting more information! I'm so upset thinking about it even now. The letter came 10 weeks after filing, and then took another 8 weeks to resolve. By the time I got my refund, I had already missed payment deadlines I was counting on that money for. Check your mailbox religiously - sometimes they send notices without updating online systems!
Did you have any indication on your transcript before the letter came? Any codes that might have warned you?
According to the IRS.gov processing guidelines, identity verification can add 9 weeks to processing time. The IRS Where's My Refund tool often doesn't update until final processing stages. The official IRS statement is that most refunds are issued within 21 days, but identity verification, credits claimed, and other factors can extend this timeline significantly. Have you checked the Tax Season Refund Frequently Asked Questions page on IRS.gov? It specifically addresses these delay scenarios.
I had the same DDD and successfully received my refund through Cash App this morning. Here's what worked for me: 1. First, I verified my DDD was still 3/12 on the Where's My Refund tool 2. I made sure my Cash App account was fully verified (including SSN) 3. I checked that my account and routing numbers matched what I submitted on my return 4. I enabled notifications in Cash App settings 5. The deposit hit around 11:45am today If you've done all this and still don't see it by tomorrow, contact Cash App support through the app, then follow up with the IRS if needed.
This is way more reliable than what happened with Chime last year! My brother and I filed the same day, both had Chime, and his came 3 days before mine even though we had the same DDD. Cash App seems more consistent from what everyone's saying.
Have you tried reaching out to Cash App support directly? I had a similar situation last year with Venmo. My DDD was February 15th and nothing showed up for days. Turns out they had flagged my deposit for review since it was significantly larger than my usual transactions. One quick call to support and they released it within hours.
Did you file your return before March 1st? I'm curious because I've noticed a pattern where returns filed in February with verification requirements seem to have longer processing times compared to those filed in early March. Also, did the IRS employee who verified your identity mention anything about the specific type of verification code on your account? Some verification codes (like 5071C) clear faster than others (like 4883C).
Think of the IRS verification system like a traffic jam that's slowly clearing. The February filers are like cars stuck in the middle of the congestion, while March filers might be at the edges where things move a bit faster. Your 5071C verification is like having a special pass, but you still need to wait for the traffic controllers (IRS agents) to process it and wave you through. The good news is that once you're through that verification checkpoint, the rest of the journey should move at normal speed.
According to the IRS Operations page (https://www.irs.gov/newsroom/irs-operations), they're currently experiencing higher than normal verification processing times. The site states that February returns with identity verification requirements are taking 14-21 days to clear verification status, even after successful verification. I'm frustrated that they don't communicate this clearly in the verification letter or during the appointment. It creates unnecessary anxiety when people think something went wrong with their verification.
I might be able to provide some insight based on what I've observed. The IRS typically updates their transcript database on Thursday nights and sometimes on Sunday nights. If your verification was processed after the Thursday update cycle on March 7th, it's possible that your records might update this coming Thursday (March 14th). I would suggest checking your transcript on Friday morning, March 15th. I don't want to make any guarantees, but this pattern has been fairly consistent in my experience with the IRS processing cycles.
Owen Devar
Oh gosh, I've been through this exact situation! The 570 code with an 'as of date' usually means they're reviewing something specific on your return. Based on the timeline you've shared: - Paper filed on Jan 27th ā - Processing started Feb 4th ā - Current date is mid-March ā - As of date shows March 24th ā I'd expect one of two things to happen: 1. The hold resolves automatically (look for code 571 followed by 846 with your refund date) 2. You'll receive a letter requesting additional information Since it's been about 6 weeks since processing began, I'm worried you might be cutting it close for getting the refund by month-end. The fact that it's a prior year return (2021) filed on paper means it's likely going through additional verification. I'm feeling anxious for you because I know how important this is for your remote work setup!
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Daniel Rivera
I just went through something similar with my 2021 paper return! According to the IRS.gov website FAQ section (https://www.irs.gov/refunds/tax-season-refund-frequently-asked-questions), the 570 code means there's a temporary hold while they review something. In my case, they were just verifying my identity because I hadn't filed for a couple years. My timeline was: - Filed paper return on Dec 20, 2024 - Processing started Jan 15, 2025 - 570 code appeared Feb 10 with "as of date" March 5 - 571 code (hold released) appeared Feb 28 - 846 code with refund date appeared March 7 - Refund received March 12 Does anyone know if this sounds similar to what might happen with OP's return?
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