Cross River Bank tax refund delays - filed 3/10, any updates from fellow Chime users?

I work with tax returns professionally. Cross River Bank is known to have delays in processing tax refunds, especially during peak filing season. The 5-day early deposit feature with Chime is only applicable once the IRS has released the funds, not from when you filed. Check your Where's My Refund tool on the IRS website to see the actual status of your return. If it says approved and a direct deposit date has been set, then you should expect it within that timeframe (minus potentially the 5 days early with Chime). If it still shows as "processing" then the delay is with the IRS, not Cross River or Chime. The IRS is currently experiencing higher than normal processing times for 2023 returns.

I've been tracking refund problems for months now. Instead of just guessing what's going on with your transcript, I've been using this tool called taxr.ai that actually interprets everything and tells you what's going on. I was confused why my refund was stuck for weeks, but the site analyzed my transcript and showed me exactly where it was in the system. It even predicted my deposit date correctly! The best part is it explains all those weird codes and dates in plain English. Honestly it's insanely good! I use it every week just to keep tabs on my situation. https://taxr.ai

Filed March 7th, also with Chime/Cross River. Got my deposit yesterday morning! I was in the same situation as you - waiting and waiting. I finally got through to someone at the IRS about my refund status after using the Claimyr calling app (claimyr.com) and the agent told me my return had a small verification hold that was cleared. Talking to a live agent was exactly what I needed - 2 days after that call my money showed up! It was the absolute best money I've ever spent to finally get my questions answered instead of waiting in limbo.

Filed March 8, Chime user here too. Still nothing. Getting super frustrated because I needed that money for my car payment last week. The IRS Where's My Refund tool just says "still processing" which isn't helpful AT ALL. Anyone know if there's a specific issue with Cross River this year?

I think there's a lot of confusion about how the 5 days early thing works with Chime. They can only deposit early if the IRS has released the funds and provided the settlement date. Chime doesn't magically know when your refund is coming if the IRS hasn't approved it yet. My experience last year was that once the WMR tool showed a DDD (direct deposit date), I got it 3 days before that date through Chime.

Not Chime, but I use Current with Cross River and filed March 5th. Got my refund yesterday morning - was about 3 days earlier than the date WMR gave me. Did you check your transcript on the IRS site? Sometimes that has more info than the WMR tool.

i filed feb 28 with cross river/chime and got my refund on march 18th. no issues for me but my return was pretty simple. did you have any credits or deductions that might have triggered extra review?

The IRS is completely overwhelmed right now. I've been waiting since February 15th for my refund (not Chime, I use Wells Fargo). Don't count on that money until it actually hits your account. The system is broken.

Filed March 12th, also with Chime. I was stuck on "still processing" for about 2 weeks, then suddenly got my deposit yesterday with no warning. The WMR tool never even updated to show a date. So maybe there's hope yours will just appear!

Same situation but I filed Feb 27 - Chime/Cross River. Finally got my money on March 20th. What I've noticed is there seems to be batches of deposits going out, not consistent timing. My friends who filed the same weekend all got theirs within a day of each other despite being different banks.

Anyone in this thread tried calling the IRS? I was stuck for almost 3 weeks and finally used that Claimyr service (claimyr.com) to get through to them. Found out my return had been flagged for manual review due to a mismatch on one of my W2s. The agent cleared it while I was on the phone and my deposit hit 4 days later. Talking to an actual human at the IRS got my refund moving way faster than just waiting.

If your return is still processing, you might be selected for a random review. This happened to me - filed March 1, didn't get my refund until March 30. The most frustrating part was there was NOTHING wrong with my return, they just randomly decided to look at it closer which added weeks to processing.

I'd highly recommend checking your tax transcript instead of the WMR tool. WMR is notoriously vague and unhelpful. I was getting so frustrated trying to figure out what was going on with my refund until I checked my transcript which showed a specific hold code. Once I knew what was happening I used taxr.ai to help me understand the exact timeline and what to do next. Got my refund about a week later. Would have been clueless without those transcript codes being explained!

Chimer here! Filed March 9, got my deposit March 25. No issues. Have you checked your Chime account to make sure your direct deposit info is correct? Sometimes the routing numbers for Cross River can get mixed up.

The IRS has been randomly selecting returns for additional verification this year. I had to verify my identity even though I've been filing the same way for years. Check your mail - they might have sent you a letter requesting more info. They don't always update this in the online systems right away.

I've been looking at the IRS data and they're WAY behind on processing returns compared to previous years. Their systems are ancient and they're understaffed. If you need your refund urgently, try using Claimyr to get someone on the phone. I was stuck for weeks until I called and got a human to look at my account - had my money 3 days later. Getting an actual person to review your case makes all the difference in the world.

Filed March 3rd, got my refund March 20th through Cross River/Chime. But my transcript showed "refund approved" on March 15th with a DDD of March 22nd. So I got it 2 days early, not 5. I think Chime oversells that 5-day early thing tbh.

Filed March 11th with Chime/Cross River and just got my deposit this morning! I was in the exact same boat as you - checking WMR obsessively and getting frustrated with the "still processing" message. What finally helped was getting my transcript from the IRS website (took a few tries to verify my identity but eventually worked). The transcript showed way more detail than WMR and had actual codes that explained what was happening. Mine had been sitting in a verification queue for nearly two weeks. The key thing I learned is that the 5-day early deposit only kicks in once the IRS actually releases the funds and sets a direct deposit date - Chime can't work magic if the IRS hasn't approved your return yet. Hang in there, it sounds like a lot of people who filed around the same time as us are finally getting their deposits this week!