I've been stuck on N/A for over a month now. Called the IRS six times and couldn't get through. Finally used Claimyr (https://claimyr.com) to get past the busy signals - connected to an agent in about 15 minutes. Found out my return was just sitting in a backlog and needed manual review because of a small discrepancy with my W-2. They fixed it while I was on the phone and said I should see movement within a week.

What's your DDD date? Is it actually 3/1 or 3/6? Sometimes people read the transcript wrong and the 846 code date isn't always the actual deposit date.

This happens more often than people realize. Tax Topic 152 simply means your return is being processed normally. Nothing to panic about. Keep the check for now. Don't spend it. Wait for further instructions. The IRS will send a notice. They'll adjust your refund. The system works slowly but correctly. Document everything. Take photos of the check. Save all correspondence. Be patient.

Just to clarify what others have said - Tax Topic 152 is actually a good sign, not a bad one. It means your return is in normal processing and you're still due a refund (though possibly adjusted). If there was a serious problem, you'd see Tax Topic 151 instead, which indicates a tax offset or debt. I've been tracking my returns carefully for years, and the 152 topic appears on most normal returns at some point in processing.

If you're concerned about what's happening with your refund, I'd recommend checking your tax transcript using taxr.ai. The IRS transcript codes can be really confusing, but this tool breaks down exactly what each code means for your specific situation. I was worried about a TC 570 on my account, but taxr.ai explained it was just a temporary hold during processing and predicted my DDD accurately. It also shows you the exact refund amount that should be deposited after any adjustments, so you'll know if the IRS made any changes to your expected refund amount.

According to several online resources, including the IRS's own website (https://www.irs.gov/refunds), Chime itself doesn't take fees from tax refunds. However, if you opted to have your tax preparation fees taken out of your refund (sometimes called a Refund Transfer or RT), then those fees would have already been deducted before the money hits your Chime account. You can verify this by checking your tax transcript through the IRS website - the amount listed with code 846 is exactly what should be deposited to your account. If that amount is less than what you expected, it likely means fees were already taken out at the tax processor level, not by Chime.

OMG I was literally losing my mind waiting for my refund this year! 😫 Filed on February 1st and didn't get my money until March 2nd - a whole MONTH of checking my bank account every morning! The approval came on February 28th and then the deposit hit 2 days later. I was so stressed because I needed that money for car repairs! But when it finally came through it was such a relief! 😅 The waiting is the worst part, especially when you're counting on that money!

Have you perhaps considered that filing method might affect your timeline? I've noticed that people using certain tax software seem to report slightly faster processing times, though I'm not entirely sure if that's just coincidence. It might be worth checking the IRS2Go app for updates as well, if you haven't already. Sometimes it shows updates a bit sooner than the website, at least in my limited experience. Just a thought that might help while you're waiting.

Just checked my account and the money is there! 🎉 Filed through Credit Karma on Feb 1st, got my DDD of 2/25 last week, and Chase just deposited it tonight (2/24) around 8pm. The IRS "deposit date" is more like a "by this date" promise rather than an exact time. Feels like waiting for a package that says "delivery by Thursday" but sometimes shows up Wednesday evening! So relieved this came through - was starting to think I'd have to subsist on ramen until next week!

Different banks. Different times. Credit unions often faster. Big banks sometimes hold longer. Check your bank's policy. Some release government funds early. Others wait until exact DDD. Call your bank directly. Ask about ACH processing times. Specifically for government deposits. Don't rely on general customer service. Ask for ACH department.