Chime Direct Deposit Timing for IRS Tax Refund - When to Expect Payment?

Tax pro here - Chime typically releases IRS deposits as soon as they receive them, usually 2-3 days earlier than traditional banks. Most people see deposits between 3PM-6PM EST or sometimes as late as midnight. But there's no guaranteed time.

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mines hit at 3am randomly last week with chime

its totally random tbh. my sister and i both have chime, filed same day, approved same day but hers came 6 hours b4 mine 🤷‍♀️

Word of advice: turn on notifications for deposits. beats checking every 2 seconds trust me

in the same boat rn. been refreshing since this morning like a 🤡

I've been using Chime for my refunds for 3 years now and honestly the timing is all over the place. Sometimes it hits at 2pm, sometimes 11pm, once it even came at like 5am. The good news is it's usually within 24-48 hours of getting your approval. Just try to stay busy and it'll come when it comes!

Been there! The anticipation is killer. One thing that helped me was setting up account alerts through the Chime app so I'd get a push notification the second anything hit my account. That way I could actually do other stuff instead of manually checking every few minutes. Your refund will show up soon - Chime is usually pretty quick with IRS deposits!

Same situation here! Just got approved this morning and have been obsessively checking my Chime account every hour. From what I've read online, Chime usually processes IRS refunds pretty quickly - sometimes even before the official "sent" date from the IRS. I'm hoping to see mine hit sometime today or tomorrow. The waiting is brutal though! Good luck with yours! 🤞

I've been using Chime for tax refunds for the past couple years and from my experience, they're usually pretty good about getting them to you fast! Most of the time I see mine hit between 2-5 PM EST, but like others mentioned it can really vary. Last year mine came at like 9 PM on a Wednesday which was totally random. The nice thing about Chime is they don't hold it for business days like some banks do - once they get it from the IRS, it goes straight to your account. Try not to stress too much, it'll be there soon! 🙂

Chime user here! I've gotten my refunds through them for the past 2 years and they're definitely faster than traditional banks. Usually hits anywhere from 1-6 PM but I've also seen it come through late at night or early morning. The uncertainty is annoying but the speed makes up for it. You'll probably see it within the next day or two max. Just try to keep yourself busy - watching the account won't make it come any faster! 😊