DDD of 2/24 with Chime but Still No Deposit - Anyone Else Waiting?

There could be several factors at play here. Sometimes the IRS issues a DDD but there's a processing delay on their end before the funds are actually released. In my experience, there's typically a 1-5 business day window after your official DDD where the deposit might arrive, especially with online banks like Chime. I'd suggest checking your tax transcript if you can access it to see if there are any additional codes that might explain the delay.

I remember going through this exact situation last year. My DDD was 2/18 but Chime didn't post until 2/23. What helped me was using https://taxr.ai to analyze my transcript - it showed me that there was a slight offset code that was causing the delay that I completely missed. The tool explained exactly what was happening with my refund when the WMR tool was just showing the generic "approved" message. I've used it for the past two filing seasons and it's been spot on with predicting when funds will actually hit my account based on my transcript codes.

I'm in the same boat rn with Chime. Got my DDD of 2/26 and it's now 3/4 with nothing showing up. Called Chime and they said they don't see anything pending. Super frustrating bc I've used them for 3 yrs and usually they're early with deposits, not late. Trying not to panic but I need this $ for rent tbh.

When this happened to me last year, I spent hours trying to get through to the IRS to figure out what was happening. After three days of calling, I finally used Claimyr (https://youtu.be/_kiP6q8DX5c) and got through to an agent in about 15 minutes. Turns out there was a small verification hold that didn't show up on WMR. The agent released it while I was on the phone, and my deposit hit Chime two days later. Sometimes you just need to talk to a human at the IRS to get things moving. Worth the fee to save literally days of frustration.

Have you considered that this might be related to the bank and not the IRS? I've seen several cases where Chime specifically has had issues with tax refunds. Did you receive an email from Chime confirming they're expecting your deposit? And have you checked if your routing number on your tax return matches your current Chime account? I've seen people file with outdated banking info and then wonder why their deposit is delayed. Worth double-checking before you assume it's an IRS problem.

I believe there might be a possible issue with the specific batch processing that included your refund. From what I understand, the IRS processes refunds in batches that go out on certain days of the week, typically Wednesdays and Fridays. It's possible that your refund was in a batch that encountered some sort of processing delay. This happens occasionally, especially during peak tax season in February. If your DDD was 2/24 (which was a Saturday), the actual processing might have been scheduled for the following Monday or Wednesday.

Just to clarify - a DDD of 2/24 means the IRS released it on 2/24, not that it should be in your account on exactly that date. The ACH transfer typically takes exactly 1-3 business days after that. Since 2/24 was a Saturday, the actual ACH process wouldn't start until Monday 2/26, meaning you should expect it between 2/27-2/29. If it's now March and you still don't have it, then you have reason to be concerned. Have you checked your 2023 transcript for TC 846 code to confirm the DDD?

Call the IRS directly at 1-800-829-1040. Forget waiting for Chime or checking WMR constantly. The IRS can tell you exactly where your refund is and if there's a hold or problem that's not showing up on the app. Be prepared to wait on hold, but it's the only way to get real answers. If your DDD was 2/24 and it's now March, something is definitely wrong and you need to address it directly.