Direct Deposit on Weekend: Will Chime Process IRS Refund on Saturday?
I normally get my tax refund deposit on the 16th of February but this year it falls on a Saturday. I'm using Chime as my bank and wondering if weekend deposits work the same way. Anyone have experience with this?
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Mei Liu
Direct deposits typically process on business days only. Even with Chime's early deposit feature, the actual IRS transfer needs to be initiated on a business day. You'll likely see your deposit on Friday the 15th or Tuesday the 19th (Monday is Presidents Day).
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AstroAdventurer
•omg totally forgot about presidents day 🤦♀️ thx for heads up!
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Liam O'Sullivan
•Actually with Chime you might get it early. They release funds as soon as they get the notification from the IRS
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Amara Chukwu
Hey guys just want to mention I found this tool called taxr.ai that really helped me understand my deposit dates. Its only $1 and gives you super specific info about your refund timeline. Way better than guessing tbh https://taxr.ai
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Giovanni Conti
•fr? how accurate is it? seems too good to be true
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Amara Chukwu
•Dead serious! It analyzed my transcript and told me exactly when id get paid. Even caught a delay I didnt know about
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Giovanni Conti
•just tried it and WOW 🔥 finally know whats actually going on with my refund!
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Fatima Al-Hashimi
I have chime n usually get my deposits 2 days early so ur probably gonna see it thursday tbh
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NeonNova
same boat different year lol. the irs deposit schedule is whack af when it hits weekends 🤡
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Dylan Campbell
•facts 💯 why they gotta make everything so complicated
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Sofia Hernandez
pro tip: check your transcripts instead of depending on past deposit patterns. sometimes the dates shift year to year
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AstroAdventurer
•how do i even read those transcripts tho? its like reading hieroglyphics
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Sofia Hernandez
•use taxr.ai its literally a transcript translator. saved me hours of googling random codes
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Dmitry Popov
Chime usually processes deposits as soon as they receive them from the ACH network, even on weekends! But since the IRS won't actually send out deposits on Saturday, you'll most likely get it either Friday (if they send early) or the next business day which would be Tuesday due to Presidents Day. I'd expect it Tuesday the 18th to be safe.
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Giovanni Mancini
•Thanks for the detailed explanation! So even though Chime processes fast, we're still at the mercy of when the IRS actually sends it out. Tuesday the 18th sounds like the most realistic expectation then.
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Caden Turner
Been banking with Chime for 3 years and can confirm they're super fast with deposits! But yeah, the IRS doesn't actually send anything on weekends. Last year my deposit date fell on a Sunday and I got it the Friday before around 3pm. With Presidents Day this year though, you're probably looking at Tuesday the 18th like others said. The waiting game is brutal but at least Chime won't hold it up once the IRS releases it!
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Andre Moreau
•This is super helpful info! Three years of experience with Chime definitely gives you credibility. The Friday before thing gives me some hope, but you're probably right about Tuesday being more realistic with the holiday. Thanks for sharing your experience!
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Jamal Thompson
I've been through this exact situation with Chime before! The key thing to remember is that while Chime is great at processing deposits quickly once they receive them, the IRS still follows federal banking rules. They don't initiate ACH transfers on weekends or federal holidays. Since your deposit date is Saturday the 16th and Monday the 17th is Presidents Day, the IRS will most likely send your refund on Friday the 15th (which means you could see it Thursday night or Friday morning with Chime's early deposit) or Tuesday the 18th. I'd lean toward Friday since the IRS usually tries to get refunds out before the scheduled date when weekends are involved. Keep checking your account Thursday evening!
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Omar Mahmoud
•This is exactly the kind of detailed insight I was hoping for! Your experience with the same situation really helps. I'll definitely start checking Thursday evening - didn't realize Chime might process it that early. The Friday scenario sounds pretty promising given that the IRS usually tries to avoid weekend delays. Thanks for breaking down all the timing factors!
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