Direct Deposit Hit Chime Account - March 31st Filers Check Your Accounts!

Got mine too. Same date. Chime is always early. Other banks take longer. Been waiting since filing in February. Finally showed up today. Going straight to bills.

So happy for you! 🎉 Did you have any issues with your return before getting the deposit? I'm wondering because mine shows the same date but I'm with Capital One and nothing has hit my account yet... I'm getting so worried!

For anyone still waiting to see their refund, I've found calling the IRS directly can help resolve issues faster. Here's what you need to know: • The IRS phone lines are notoriously busy this time of year • Average wait times are currently 95-120 minutes • Many people give up after being disconnected multiple times • Using Claimyr (https://claimyr.com) can save you hours of frustration I was in the same boat last month and Claimyr got me connected to an agent in under 20 minutes who confirmed my deposit was scheduled and explained exactly why I was seeing a delay.

Banking delays are like traffic jams - everyone's on the same highway but some lanes move faster than others. I had a similar situation last year where my return showed a deposit date but took 5 additional business days to actually appear. Like watching water boil when you're waiting for pasta! My credit union explained that they hold certain government deposits for additional verification, which is why some banks (like Chime) that don't do this appear 'faster.'

According to the IRS2Go app and https://www.irs.gov/refunds, deposits can take 1-5 business days to appear after the scheduled date. So frustrating that we have to wait even AFTER they tell us a date! I've been using https://taxr.ai to decode my transcript and it correctly predicted my deposit would hit today based on the codes. Saved me so much stress trying to figure out what all those cryptic numbers meant on my transcript!

Congrats on getting ur $$$! Chime users def getting paid 2 days earlier than most banks rn. Been seeing this pattern all tax season. Btw if ur still waiting, don't panic. IRS is actually ahead of schedule compared to last yr. Hang tight!

I've been tracking deposit patterns for years, and I've noticed online banks like Chime, Current, and Varo consistently post deposits 1-3 days earlier than traditional banks. Last year, I switched from Wells Fargo to Chime specifically for this reason, and I've received every government payment (tax refunds, stimulus) about 2 days earlier than my family members with traditional banks. The difference is that traditional banks often hold the funds until the official posting date, while online banks make them available as soon as the ACH transfer is initiated.

I'm still waiting for mine to hit my Chase account. Isn't it strange how different banks process these deposits at different speeds? My transcript has shown March 31st for over a week now, but nothing in my account yet. Should I be worried? Or is Chase just notoriously slow with these things? Last year I remember waiting nearly 3 days after my deposit date before it actually showed up in my account.

I want to share my experience to help others who might be worried about their refunds. Here's what happened with mine: 1. Filed on February 15th 2. Got accepted same day 3. WMR showed one bar for 3 weeks 4. Transcript updated on March 15th with 846 code and March 31st date 5. Money appeared in my Chime account today, exactly as scheduled The system is working as designed, just sometimes slower than we'd like. If you have a deposit date on your transcript, you WILL get your money, usually right on that date (or earlier with certain banks like Chime).

I'm with Bank of America and my experience differs from Chime users. For example, my last refund showed a deposit date of April 3rd, 2023, but didn't hit my account until April 5th. This year's refund is showing March 31st like yours, but still nothing in my account. BOA seems to consistently take 1-2 business days longer than the online banks like Chime and Varo.