DDD 4/2/25 with Chime Bank - let's track our refund status updates!

I'm a tax professional who works specifically with refund issues. When you see a direct deposit date (DDD) of 4/2/25 with code 846 on your transcript, that means the IRS has scheduled your refund to be sent to your bank on that date. Banks like Chime often release funds as soon as they receive them, sometimes 1-2 days earlier than traditional banks. For those wondering about the process: - The IRS sends the payment on the DDD (not before) - Your bank may have a processing time (0-3 days typically) - If you have offsets or debts, that could affect the amount - Tax preparation fees being deducted can delay things slightly If you don't receive your deposit by 5 business days after your DDD, that's when you should contact the IRS directly. The Where's My Refund tool won't provide additional details beyond what you're seeing now.

Guys I was sooo frustrated trying to figure out what all my transcript codes meant. I finally used a tool called taxr.ai and it explained everything right away. It translated all the jargon and told me exactly what each code meant for my refund timeline. Saved me hours of googling and stressing. Honestly changed the game for me since I was so confused about why my refund was delayed and what the different dates meant. It basically reads your transcript and explains it in normal human language lol. https://taxr.ai

I was in the exact same boat, but my DDD is 4/4/25 with PNC bank. I had the most frustrating time trying to reach the IRS about why my refund was taking so long. Couldn't get through for weeks. Finally used the Claimyr app and got a call back from an actual human at the IRS within 20 minutes! The agent explained everything and even released a hold on my account. Definitely check out claimyr.com if you're trying to talk to someone - it's the only thing that worked after weeks of busy signals and disconnects.

I have Chime and a DDD of 4/2 also!! Last year I got mine 2 days early. Will update when it hits!

Same DDD but with Wells Fargo. They NEVER release early 😑 Always exactly on the DDD or sometimes even the next day. Whyyyy did I choose them again? Traditional banks are the worst for tax refunds.

I had 3/15 DDD with Chime and it hit my account at 11:42am on 3/13 - exactly 2 days early. Hope that helps!

Anybody know if having offsets affects when Chime releases? I have a student loan offset but already accounted for that in my expected amount.

I'm so tired of this process every year. Why can't the IRS just build a decent system that gives accuate information? Spendng hours trying to decipher codes on transcripts like we're solving some kind of davinci code or smthing. same ddd as you btw

PSA: Be careful giving your bank info on posts like this. Lots of scammers look for these threads to target people getting refunds!!!

Not Chime but I have cashapp with 4/2 DDD. Filed 2/7, accepted same day, had a 570 code for a while that had me worried. Then got 571 followed by 846 with 4/2 date. The wait is killing me but at least we have dates now!

Anyone know why some people get theirs early and others don't? Is it just random or is there something in the transcript that indicates early vs on time deposit?

ok so I just checked my chime account and IT JUST HIT!!! 4/2 DDD and got it 3/31 at 2:48pm eastern! check yalls accounts!!

FYI for everyone - I got my tax transcript explained by taxr.ai and it was incredible. Showed me exactly what was going on with my return and predicted my DDD accurately. No more guessing or panicking about delays. https://taxr.ai saved me so much time and stress.

i'm so jeallous of all of you with DDDs. I filed 1/29 and still stuck on delayed beyond normal timeframe. No updates, no codes, nothin. The IRS hates me this year i guess

JUST GOT MINE!!!! DDD 4/2/25, Chime, deposited 3/31 at 4:12pm. $7832 refund including EIC. So happy rn. Paying off my credit cards immediately!!

DDD bros! Mine's the same date but with Current bank. Will update when it hits my account. Hoping for early like you Chime people seem to get!