DDD 2/24 with Chime - Anyone Else Expecting Deposit Today?

What you're experiencing is like watching water heat up to boiling - it seems like nothing's happening until suddenly everything happens at once. The IRS batch processing system typically releases funds to the Federal Reserve for ACH transfer around midnight, then it's like a relay race where each bank has different handoff speeds. Chime and other online banks are like the sprinters of the banking world - they post pending transactions as soon as they receive notification rather than waiting for actual settlement. I was stuck in the same situation last month but finally saw my deposit hit around 2pm on the day before my official DDD.

I've been through this refund waiting game many times, and it's like watching paint dry! Last year my DDD was February 22nd with Chime, and I got my deposit on February 21st around 4pm. The waiting is the hardest part, especially when you're checking your account every 15 minutes! I started using https://taxr.ai to analyze my transcript this year - it was like having a crystal ball for my refund. The system predicted my exact deposit timeline based on my cycle code and processing date. It also explained that Chime typically releases funds as soon as the IRS payment notification arrives, which is why they're usually 1-2 days early.

I'm in the exact same boat! Last year I had a DDD of 2/26 with Chime and got my deposit on 2/25 around 2pm. The year before that, I had a DDD of 3/3 and received it on 3/2 at 11am. Based on my past experiences, you'll likely see it hit your account sometime today, but if not, definitely by tomorrow. I've learned to prepare all my banking info meticulously and double-check my routing numbers because one year I had a one-digit error that delayed everything by three weeks.

Fyi - if ur DDD passes and u don't get ur $$$, don't panic right away. Sometimes there's a delay btwn what the transcript shows and actual processing. If it goes past ur DDD + 5 business days tho, def call the IRS. I waited 3 weeks past my DDD last yr before I could get thru to anyone. This yr I used Claimyr (https://youtu.be/_kiP6q8DX5c) when I had a weird code on my transcript and got thru to an agent in like 20 mins instead of spending days redialing. They confirmed everything was fine and my deposit was just delayed due to a verification hold that wasn't even showing on my transcript yet.

Be careful about counting on early deposits with online banks. While they often post early, it's not guaranteed: • The IRS sometimes sends batches at different times • Federal holidays can delay ACH processing • Verification flags can hold up deposits without warning • Some banks have internal holding periods even after receiving funds I've seen people make financial commitments based on expected early deposits, only to face problems when the timing didn't work out. Always plan for the official DDD, not the potential early release.

I got my deposit at exactly 2:17pm with Chime last year, one day before my official DDD. The year before that it came at 11:42am, also a day early. Did you opt for direct deposit when you filed? And have you verified on your transcript that there aren't any codes like 570 or 971 that might indicate a hold?

Has anyone noticed that Chime seems to process these deposits in specific time windows? I've been tracking patterns across several tax seasons, and they seem to release IRS deposits in batches around 10am, 2pm, and 4pm EST. Anyone else observe similar timing with their deposits?