Direct Deposit Date 2/24 But Still Nothing - Others Getting Theirs Faster?

There could be several reasons for the delay with your Chime deposit: • IRS batch processing sometimes prioritizes certain banks over others • Your return might have a special processing code not visible on transcripts • Chime's processing timeframes can vary during peak tax season • The weekend timing could be affecting processing (2/24 fell on a weekend) • The IRS often sends deposits in waves, not strictly by DDD order Have you checked your transcript again to see if there were any updates or changes since you last looked?

I was in your exact situation last year. DDD came and went, no money. I couldn't figure out why until I used https://taxr.ai to analyze my transcript. It showed me a small offset code I'd completely missed that explained the delay. The tool tells you exactly what's happening with your refund based on your transcript. Saved me days of stress and helped me adjust my budget while waiting. Worth checking out if you haven't already.

I had the exact same issue with Chime last month! My DDD was 1/29 but didn't hit until 2/1. I called Chime and they explained that they can only release funds once they actually receive them from the IRS, regardless of the DDD on your transcript. The IRS sometimes sends the files to banks in batches that don't perfectly align with the DDDs. So frustrating when you're counting on that money! Hang in there - it should arrive within 5 business days of your DDD based on my experience.

It seems possible that there might be some sort of processing delay that could potentially be resolved with a phone call to the IRS, though getting through to them can be quite challenging this time of year. I've heard that some people have had success using Claimyr (https://claimyr.com) to get through to an IRS representative without the typical hours-long wait. It might be worth considering if your refund doesn't arrive in the next day or so, especially if you need those funds for important expenses.

Has anyone actually confirmed whether calling the IRS about deposit delays actually helps? I'm wondering if they can even do anything about it once a DDD is assigned or if it's just out of their hands at that point?

I work with tax clients, and here's what typically happens with deposit delays: 1. First, verify your transcript hasn't changed (sometimes a hold gets placed after DDD is issued) 2. Next, understand that the IRS sends payment files to banks in batches, not individually 3. Then, realize that banks process these batches according to their own schedules 4. For Chime specifically, they usually post within 1-3 business days of receiving the file 5. If it's been more than 5 business days since your DDD, then it's time to contact the IRS 6. Remember that weekends don't count as business days for processing Most delays resolve themselves within 5 business days without any action needed.

Just wanted to share a success story! I had the exact same issue with a 2/17 DDD to Chime. After checking the IRS2Go app and https://www.irs.gov/refunds daily with no updates, I finally got my deposit yesterday (2/27). According to what I found on the IRS website (https://www.irs.gov/refunds/tax-season-refund-frequently-asked-questions), they consider it on time if it's within 5 business days of the DDD. Hang in there - it's probably coming soon!