DDD of 4/24 with TurboTax to Chime - Still No Deposit Despite Their 'Early' Claims

It seems like there might be a few possible explanations for what you're experiencing. First, while Chime does generally offer early deposits, this is somewhat dependent on when they actually receive the payment notification from the IRS, which can vary. Additionally, the IRS sometimes sends payments in batches, so your particular batch might be scheduled exactly on your DDD rather than earlier. It's also worth noting that "up to 2 days early" is their maximum, not a guarantee for every transaction.

I've used both Chime and Current for tax refunds. Current consistently deposited 2 days early, while Chime was more hit-or-miss. Last year my Chime deposit came exactly on the DDD, not early at all. This year I switched to Current and got my refund 2 full days before my DDD. The "early deposit" feature seems to work better with some banks than others, and Chime appears to be less consistent compared to their competitors lately.

I'm SO FRUSTRATED with how impossible it is to get straight answers about these deposits! I spent THREE HOURS trying to reach someone at the IRS about my similar situation last week. Finally used Claimyr (https://youtu.be/_kiP6q8DX5c) and got through to an agent in like 20 minutes. They confirmed my payment had actually been sent but was still in transit to my bank. I was ready to scream before finding that service - saved me from spending my entire day on hold!

Have you checked if your refund was reduced for any reason? On March 28th, I had a similar situation where my expected amount didn't match what was deposited. On April 2nd, I discovered they had offset part of my refund for a student loan payment I wasn't aware of. Sometimes the delay is because the final amount is being adjusted.

I experienced this exact scenario and discovered there's actually a systematic reason behind it. The Automated Clearing House (ACH) network that processes these transfers has specific settlement windows. If the IRS initiates your payment after a certain cutoff time, the payment gets queued for the next processing window. Chime can only post deposits early when they receive the payment metadata ahead of the actual settlement date, which doesn't always happen with IRS refunds due to their batch processing protocols.

Have u tried checking ur tax transcript instead of WMR? Sometimes the WMR tool doesn't update but ur transcript might show if there's an issue or if it's def been sent. I had similar probs last yr & transcript showed a code 971 that explained everything. BTW if it's already 4/24 or after, def call IRS tmrw!

The whole "early deposit" thing with these online banks is like a restaurant promising your food will arrive in 30 minutes but it might be 15 or it might be 45. It's not an exact science! I've been watching the tax refund groups on Facebook like a hawk, and it seems like Chime is being particularly inconsistent this year. Some people got theirs 2 days early, some 1 day, and others (like you and me) right on the DDD. I'm a bit worried about next year now...

I've been using Chime for three years now, and their early deposit feature has become less reliable with tax refunds specifically. Last year, my paycheck consistently came 2 days early, but my tax refund came exactly on the DDD. This year, same thing - paycheck early, tax refund right on time. When I called Chime about it, they explained that IRS deposits are processed differently than regular payroll deposits. They can only release funds early when the sending institution (IRS) provides certain pre-release information, which apparently the IRS doesn't always do consistently.