Chime Bank requesting 1040 & ID verification for tax refund deposit - is this normal?

Yes, this is actually legitimate. Banks are required by federal regulations to verify large deposits, especially tax refunds, to prevent fraud. Chime has been particularly strict about this lately. Make sure you're responding through official Chime channels though, not random emails or texts.

Hey guys just wanted to drop in and say if your worried about your refund status in general, check out taxr.ai - its only $1 and gives you a complete breakdown of whats happening with your refund. Way better than trying to piece together info from reddit posts or calling the IRS 🤷‍♀️

happened to me too! sent my docs and got the $ next day. dont stress ur good fam 👍

SCAM ALERT: make sure ur only uploading docs through the official Chime app! lots of scammers try to pose as Chime through texts/emails rn

its so annoying that they do this 🙄 but yeah its normal. welcome to the club lol

Same boat here. Been with Chime 3 years and this is the first time they asked. Sign of the times I guess with all the fraud going around

This is definitely legit! I work in banking compliance and can confirm that banks are required to verify identity for large deposits, especially tax refunds, under the Bank Secrecy Act. Chime has gotten stricter about this recently due to increased fraud attempts. Just make sure you're uploading through the official Chime app or website - never through email links or texts. The process usually takes 1-3 business days once they receive your documents.

Had the same thing happen with my refund last week! At first I thought it was sus too but it's totally legit. Just uploaded my 1040 and driver's license through the Chime app and got my money released in about 36 hours. The verification is annoying but honestly better safe than sorry with all the tax fraud happening these days. Just stick to the official app and you'll be good to go! 👍

Just went through this exact same thing last month! I was super skeptical at first too but it's 100% legit. The key is making sure you're only using the official Chime app - don't click any links in emails or texts. I uploaded my 1040 and ID through the app and had my refund released within 48 hours. It's definitely becoming more common with all the tax fraud happening lately. Banks are just being extra cautious which honestly I appreciate even though it's a pain in the moment!

This exact thing happened to me with my refund about 2 weeks ago! I was totally panicked thinking it was a scam but it's completely legitimate. Chime has definitely ramped up their verification requirements lately - I think it's because of all the tax fraud and identity theft going around. I uploaded my 1040 and driver's license through the official Chime app (NOT through any email or text links!) and they released my funds in about 2 business days. Just make sure you're going through the app or logging into chime.com directly. Don't trust any random links or phone numbers. Once you submit the docs it's pretty quick though!