Direct Deposit Date 2/25 with Chime - Anyone Received Their Refund Yet?

Chime deposits are currently experiencing delays across multiple banks: • DDD of 2/25 typically means funds release between 2/25-2/27 • Many online banks (including Chime) are showing 24-48 hour processing delays • IRS batch processing happens overnight, so many deposits won't show until tomorrow • If you don't see it by 2/28, THEN you should start investigating Time is critical here - don't panic yet, but mark your calendar for follow-up if needed!

Are you checking your Transcript Cycle Code? If you have an 05 cycle code, your WMR won't update until Saturday morning regardless of your DDD. The Banking ACH transfer protocol also impacts when funds actually appear in your account versus when the IRS initiates the transfer.

Has anyone tried calling the IRS to confirm the deposit was actually sent? I've been waiting for my deposit too, and I've been wondering if there's a way to verify it's actually been processed. I tried calling the regular IRS number but gave up after being on hold for 2 hours. Finally used Claimyr (https://claimyr.com) and got through to an agent in about 20 minutes who confirmed my deposit was initiated yesterday and should hit my account by tomorrow. Has anyone else had success getting actual confirmation?

I'm with Chime too. My DDD was 2/25 and it hit my account at 3:42pm today. I've noticed Chime deposits usually come through mid-afternoon rather than morning. Keep checking - you'll probably see it today or tomorrow. I know the feeling of watching your account like a hawk when you're counting on that money.

Have you checked your transcript for any freeze codes? Sometimes there's a delay between what the transcript shows and what's actually happening. It's like watching the weather forecast versus looking out the window - the transcript is the forecast but your bank account is the reality. Any codes like 570 or 971 showing up?

Chime user here. Got my DDD of 2/25 too. Still waiting. Called Chime. They said they release funds as soon as received. No holding period. Checked again at noon. Nothing yet. Will update when it hits. Stay patient. We're all in the same boat.

There's a specific pattern with the February 25th direct deposit date this year. I've tracked this on several tax forums, and most people are seeing deposits hit on February 26th (today) rather than the 25th. As of February 26th at 10:30am, about 65% of Chime users with 2/25 DDDs have reported receiving their funds. The remaining should come through by end of day according to previous patterns from January refunds.

SUCCESS UPDATE: Mine just hit my Chime account! DDD was 2/25, deposit came through 2/26 at 1:42pm. According to IRS Publication 2043 (IRS Refund Information Guidelines for the Tax Preparation Community), the IRS issues refunds daily to authorized financial institutions. They're legally required to make deposits available by the next business day after receiving funds, but online banks like Chime typically process same-day when received.