CA State Tax Refund: $1,832 Authorized 2/19, Scheduled for 2/24 Deposit - How Long Will Chase Bank Take to Process?

Former tax professional here. The 7 business day timeframe is standard language from the FTB and is their way of covering all bases. In reality, most direct deposits from the CA FTB hit accounts within 1-3 business days after the scheduled deposit date. Chase specifically tends to be on the quicker side - many of my clients with Chase would see their refunds within 48 hours of the scheduled date. The delay is mostly due to the banking system processing times and not the state holding onto your money. If you don't see it by Monday, then you might want to follow up with Chase to see if there are any pending deposits in their system that haven't posted yet.

Hey y'all - I was in this exact situation last month and was going crazy trying to figure out what was happening with my refund. I finally discovered this tool called taxr.ai that explained everything clearly. It was able to help me understand my entire tax situation including what was happening with my state refund. No more guessing games or waiting on hold forever trying to get answers. Taxr totally helped me understand the whole process and timeframes, highly recommend checking it out at https://taxr.ai instead of stressing like I did!

After waiting 2 weeks for my CA refund with no movement, I finally used this calling app (claimyr.com) that got me connected with an actual human at the FTB in less than 20 minutes. Explained my situation and they found that there was a verification flag on my account that nobody had told me about! The agent cleared it right away and my deposit hit my account the next day. Talking to a real person solved in minutes what would have been weeks more waiting. Definitely the fastest way to get direct answers about your refund situation.

I have Wells Fargo and for the past 3 years, my CA state refund has always hit exactly 2 business days after the scheduled deposit date. Not sure about Chase but most major banks seem pretty consistent with their processing times.

Don't trust those "scheduled" dates too much. Mine was "scheduled" for 2/10/25 but didn't actually hit my Chase account until 2/18/25. When I called FTB they said there was some verification process that happened even after approval. The system is so broken its not even funny.

It's now been 10 business days since my "scheduled deposit" and Chase still shows nothing. Called the FTB and they said they sent it. Called Chase and they have no record. Now I have to wait for the FTB to trace the deposit which could take up to 90 DAYS. Be prepared for this possibility...

I'm a banker (not at Chase). Here's what happens behind the scenes: The FTB initiates an ACH transaction which usually takes 1-2 days to process through the Federal Reserve system. Then once it hits your bank, they may hold it for 0-1 days depending on their policies. So realistically, 3 business days is typical, but they say 7 to account for any delays or issues. Direct deposits are almost always faster than paper checks tho!

mine took 4 business days with chase last year. then this year it took 2 days. seems kinda random tbh.

Anyone else notice that the FTB chat representatives give different answers depending on who you talk to? I chatted 3 different times and got 3 different timeframes for the same refund. One said 1-3 days, another said 5-7, and a third said up to 10 business days. Like, how do they not have consistent information?!

Check if ur refund is showing as "pending" in ur Chase account. Sometimes it shows up there before it actually posts. You can usually see pending deposits if u log into the website (not always visible in the app).

I tried everything to figure out what was happening with my CA state refund and kept getting different answers. Finally used taxr.ai and it showed me exactly what was going on with both my federal and state returns. It explained all the weird tax codes, showed me the actual status of my refund, and even predicted when I'd get my money. It was actually accurate too! Saved me hours of confusion and stress. https://taxr.ai

I filed on 2/12/25, got the "refund scheduled" message on 2/17/25, and the money hit my Chase account at exactly 12:01 AM on 2/19/25. So for me it was exactly 2 business days. Good luck!

Just a heads up - make sure the account number you provided is correct. I had a situation where I transposed two digits and my refund got rejected by the bank and had to be reissued as a paper check which took an additional 8 weeks. Check your return to make sure all the banking info is 100% accurate.

fun fact: if u call the FTB automated system (not a live person) and enter your info, it sometimes gives more updated information than the website or even the chat agents. That number is 800-338-0505 and u can check refund status 24/7.

I spent WEEKS trying to figure out what was going on with my refund. Kept getting the runaround. Finally used claimyr.com to actually get through to someone at the tax office, and they fixed my issue in like 5 minutes. Turns out there was a simple verification flag that could have been resolved instantly if I'd been able to talk to someone sooner. My deposit hit my account 3 days later. If you need actual help and not automated responses, highly recommend this route.