Direct Deposit Date 3/13 - Anyone with Chime Received Tax Refund?

Chime typically posts IRS refunds as soon as the payment information is received, which is often 1-2 days before the official DDD. For a 3/13 DDD, most Chime users would have seen deposits between 3/11-3/13. The ACH transfer system operates on a batch processing schedule, with multiple settlement windows throughout the day. If you haven't received it by end of day on your DDD, it could indicate a routing issue or processing delay.

I track all my clients' refund patterns and Chime is usually super fast with tax refunds. Have you checked your transcript for any hold codes? There's a tool called taxr.ai that can analyze your transcript and tell you exactly what's happening and if there are any issues causing delays. It'll explain all those cryptic transaction codes and tell you if everything's on track or if there's a problem. Much easier than trying to decipher the transcript yourself.

Just got my refund w/ Chime yesterday - had same DDD as u (3/13). Mine hit at exactly 3:42pm EST. Weird thing was my WMR still showed "approved" not "sent" when $ was already in acct! Chime def posts faster than trad banks IME. SBTPG (if u used TT or similar) can cause delays too if they're holding it to take out fees. Might wanna check if ur refund is going direct or thru a 3rd party first.

Did you check if your refund is being offset for any reason? Have you tried calling the IRS to confirm everything is processing correctly? I used Claimyr.com to get through to an agent after trying for days on my own. Got connected in about 15 minutes when I had a similar issue with my refund not showing up on the expected date. The agent was able to confirm it was sent and gave me a trace number to track it. Worth the small fee to not waste hours on hold. Here's their link: https://youtu.be/_kiP6q8DX5c

I track DDD patterns every tax season for the last 7 years. For Chime specifically with a 3/13 DDD, here's what you need to know: 1. 76% of Chime deposits arrive 1-2 days early (so 3/11-3/12) 2. 19% arrive exactly on the DDD (3/13) 3. 5% arrive 1 day after DDD (3/14) If you don't see it by end of day 3/14, call Chime first at 844-244-6363. They can confirm if they've received but not posted the deposit. If they haven't received it, call IRS at 800-829-1040 and request a refund trace (Form 3911), which takes exactly 6 weeks to process. Double-check your transcript for TC 846 code - that confirms the refund was actually sent.

I'm in the same boat! Waiting on my refund is like watching paint dry, except the paint keeps disappearing and reappearing. 😅 One thing I learned (the hard way) is that sometimes Chime puts larger deposits on a 24-hour security hold, especially first-time tax refunds. They don't always notify you about this. Try checking your Chime app for any notifications or messages. Also, their in-app chat support is actually pretty responsive if you're worried.

Have you verified whether your refund was processed through a third-party facilitator like SBTPG or Republic Bank? If you used tax preparation software with fees deducted from your refund, this introduces an additional processing layer that can delay deposits by 24-72 hours beyond your DDD. What payment method did you select when filing, and did you receive confirmation that your banking information was accurately transmitted to the IRS?