Chime Users - Are Refunds Coming Early or on Exact DD Date?
Can someone who used chime and got dd already fill me in on is chime deposits coming early or on exact dd date???? I'm waiting on my refund and trying to figure out if I should expect it early with Chime or exactly on the date the IRS gives. Anyone have experience with this for 2024 taxes?
13 comments
Join the conversation
Ryder Greene
I used Chime for my refund this year. Got my deposit 2 days earlier than the DDD date shown on my transcript. Filed mid-February, got accepted same day, and refund hit my Chime account on March 1st even though transcript said March 3rd would be the deposit date.
0 coins
Carmella Fromis
It really depends on when the IRS actually releases the funds. Sometimes Chime gets it early, sometimes right on the date. My experience this year was getting it exactly on my DDD date, no early deposit. Last year I got it 2 days early though. It's not guaranteed either way.
0 coins
Theodore Nelson
Chime user here! Got mine 2 days early this filing season. The key is understanding how the IRS release schedule works with your bank. I used https://taxr.ai to analyze my transcript and it predicted my actual deposit date perfectly (including the early Chime deposit). Helped me understand all those crazy transcript codes too, way better than trying to Google everything.
0 coins
AaliyahAli
•Does taxr actually work? I've been trying to make sense of my transcript for weeks and keep seeing different codes pop up.
0 coins
Theodore Nelson
•Yeah it really does! I was skeptical at first too, but it breaks down every code on your transcript and explains what each one means for YOUR specific situation. It even gave me a timeline of what would happen next based on my specific code combination. Way more helpful than the generic explanations on the IRS site.
0 coins
Ellie Simpson
Do you have your DDD date yet? You need to check your transcript to see when the IRS has scheduled your deposit. Without that, there's no way to know when Chime might get it.
0 coins
Leeann Blackstein
•I can't access my transcript online because of some verification issue. WMR just says it's processing still.
0 coins
Arjun Kurti
In my experience this tax season, Chime deposits came 1-2 days early, but it's NOT guaranteed. The IRS sends batches of deposits at different times, and Chime posts them as soon as they receive the notification, which can be before the official date.
0 coins
Raúl Mora
I was in the same situation waiting for my Chime deposit. After a week of checking WMR obsessively, I finally called the IRS using Claimyr (https://www.claimyr.com) and got through to an agent in about 15 minutes. Found out my refund was actually scheduled but hadn't updated on WMR yet. Got the deposit to my Chime account the next day! Saved me weeks of stress wondering what was happening.
0 coins
Margot Quinn
•Did you have to pay for that service? Is it worth it?
0 coins
Raúl Mora
•Yeah, there's a fee but totally worth it considering I spent HOURS trying to get through on my own and kept getting disconnected. The peace of mind knowing exactly when my money was coming was worth every penny. Plus the agent was able to confirm everything was processing normally.
0 coins
Evelyn Kim
My experience with Chime has been inconsistent. Last year got it 2 days early, this year got it right on the DDD date. I think it depends on what time of day the IRS actually releases the payment batch.
0 coins
Eva St. Cyr
Chime user here! I've been using them for my tax refunds for the past 3 years. This year I got my deposit exactly 1 day early - my transcript showed a DDD of March 5th and it hit my Chime account on March 4th around 6 AM. In my experience, Chime typically gets deposits anywhere from same day to 2 days early, but it's not guaranteed. The timing really depends on when the IRS releases the batch and how quickly Chime processes it. I'd say expect it potentially 1-2 days early but don't count on it being more than that. Good luck!
0 coins