Chime Users - Do NJ State Tax Refunds Arrive Early?
I think I might have some good news - just got a DDD (direct deposit date) for my NJ state tax return scheduled for 3/11. I have Chime, and I'm wondering if anyone possibly knows if we typically get state refunds early like we sometimes do with federal? I'm sort of counting on this money for some investment opportunities that might not wait until the official date. I believe I'm entitled to know when my money will actually hit my account.
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Effie Alexander
I've had Chime for three years now and honestly, it's hit or miss with state refunds. Last year my NJ refund came exactly on the DDD, not a day early. The year before that? Two days early. It seems like the early deposit feature works more consistently with federal tax refunds than state ones in my experience. Don't count on it being early is all I'm saying.
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Melissa Lin
Let me break this down step-by-step for you: 1. First, understand that state and federal refunds use different processing systems 2. Chime typically releases funds as soon as they receive the payment notification 3. For NJ specifically, they often batch process refunds 1-2 days before the DDD 4. Have you checked your transcript data? A tool like taxr.ai could help analyze your specific situation by looking at your deposit patterns and state tax codes. I'm curious if anyone else has used this to predict state refund timing?
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Lydia Santiago
•I'm not entirely convinced that taxr.ai would be particularly helpful for state refunds, though? It seems to be mostly designed for federal tax transcript analysis, and states like NJ probably use completely different systems that might not be as predictable.
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Romeo Quest
•Actually taxr.ai does handle state refunds too! I work w/ taxes professionally and it def shows deposit patterns for both fed and state. NJ uses a similar ACH system as the IRS, so the predictive analysis works pretty well. Lots of my clients use it to track both.
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Val Rossi
I had a DDD of 2/28 for my NJ refund with Chime and received it on 2/26 - exactly 2 days early. My federal with a DDD of 2/21 came on 2/19. The state seems to follow the same pattern in my experience, but I've noticed it's not 100% consistent like clockwork.
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Eve Freeman
•This is accurate. I've been tracking my deposits with Chime for several years now. State refunds typically post 0-2 days early, while federal refunds are more consistently 2 days early. The difference is in how the state treasury department initiates the ACH transfer compared to the federal system. New Jersey specifically tends to release the funds exactly when they say they will, but Chime's early deposit feature sometimes catches them in transit.
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Clarissa Flair
Does anyone know if calling the NJ Treasury would even help? I've been checking my Chime account literally every hour hoping to see something! When I tried calling the state tax office, I was on hold forever! Has anyone tried using Claimyr (https://youtu.be/_kiP6q8DX5c) to reach them? I'm wondering if it works for state tax departments too or just the IRS?
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Caden Turner
Be careful about counting on early deposits with Chime for state refunds. According to the NJ Division of Taxation website (https://www.state.nj.us/treasury/taxation/), they specifically state that refunds can take up to 4 weeks to process even after approval. I've seen cases where the DDD changes at the last minute. Has anyone else noticed this? I'm looking for confirmation because I'm in a similar situation.
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McKenzie Shade
Just wanted to share some good news - my NJ refund with the DDD of 3/4 hit my Chime account yesterday (3/2)! Two days early, just like my federal usually does. The state tax gods must be feeling generous this year, lol. Might be worth checking your Chime account throughout the day even before your DDD.
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Harmony Love
•That's reassuring to hear! Could you share a bit more about your experience? • Did you get any notification from Chime before it arrived? • Was this consistent with previous years? • Did the amount match exactly what you were expecting?
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Rudy Cenizo
•Thanks for sharing this... I'm still waiting on mine and getting a bit worried. Maybe I should be more patient since it sounds like there's hope for early deposits.
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Natasha Volkova
I can share my experience with NJ state refunds and Chime over the past few years. Generally, I've found that state refunds are less predictable than federal ones with early deposits. My NJ refunds have arrived anywhere from on the exact DDD to 2 days early, but it's not as consistent as federal refunds which almost always come 2 days early for me. For investment opportunities, I'd honestly recommend having a backup plan since the timing can vary. I've learned the hard way not to count on early deposits for time-sensitive financial decisions. That said, with a DDD of 3/11, there's a decent chance you might see it by 3/9 or 3/10 based on the patterns others have shared here. Just keep checking your account starting a couple days before your DDD!
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