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?

Just got mine today! Chime user in Greensboro. Filed Feb 3rd, had the PATH Act delay, but it finally came through. Hang in there!

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!

I filed exactly on February 15th at 10:23am and have been checking WMR exactly every 4 hours. My transcript just updated today with a 571 code and an 846 code with a date of 04/10/2024. Does this mean I'm getting my refund on April 10th? The amount shows $4,328 which matches what I was expecting.

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.

I don't think it's normal to wait this long. You should definitely call them. I was in the same situation last month and found out there was an issue they needed to verify.

The "N/A" transcript status just means your return hasn't been fully processed yet. It doesn't necessarily indicate a problem. The IRS is still catching up from the pandemic backlog and their antiquated systems don't update in real-time. As long as your return was accepted, it's in their system. For reference, I filed 1/30, was accepted 2/10, and my transcript didn't update until 3/15. Refund arrived 3/18.

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.

Same situation here. Filed Feb 12. Accepted same day. Still one bar. Called yesterday. Agent said return looks fine. No flags. Just backlogged. Said to wait another week. Transcript finally updated today. Shows refund coming next Wednesday. Hang in there.