Has anyone with Direct Deposit Date 03/22 using Chime received their refund yet? Federal or state?

The Direct Deposit Date on your transcript is the date the IRS will release the funds to your bank. Chime typically posts deposits as soon as they receive them, which can be 1-2 days earlier than traditional banks. If your DDD is 3/22, you should see your refund deposited between now and that date. If you don't receive it by 3/22, then wait 5 business days before contacting the IRS. The refund could still be processing through the banking system. State refunds operate on a different timeline and aren't connected to your federal refund date. Check your state's tax website for their processing timeframes.

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I had the exact same issue with my refund back in February. After waiting for weeks and getting nowhere with the Where's My Refund tool, I used Claimyr.com to get through to an actual IRS agent. Got connected within 20 minutes when I had been trying for days on my own! The agent was able to tell me exactly what was going on with my refund and release it that same day. Best money I've ever spent to finally stop stressing about when my money would arrive.

I have Chime and a DDD of 3/22 and got mine yesterday around 3pm. Maybe check again? sometimes it shows up without a notification.

Has anyone checked the Where's My Refund tool on the IRS website? That should tell you if there's any issue. My experience with Chime is they deposit ASAP once the money is released, but sometimes there can be a delay on the IRS end that has nothing to do with your bank.

I don't use Chime, but I've had similar issues in the past with other banks. The IRS sometimes releases payments in batches, so even with the same DDD, some people might get it earlier than others. I'd say wait until your actual DDD before panicking.

Chime user here! My DDD was 3/22 too and I just got my federal deposit about an hour ago! Nothing for state yet tho.

I'm in the EXACT same spot! DDD 3/22, use Chime, nothing yet! My sister got hers yesterday with same date but she has Wells Fargo which makes no sense since Chime is supposed to be early. Starting to think something went wrong with my deposit information.

The IRS is such a joke. Every year it's something different with them. I filed on Jan 29th, got accepted same day, and STILL don't have my refund. No updates, nothing. Meanwhile my coworker filed last week and already got her money. Make it make sense!!!

I've learned NEVER to rely on getting your refund by a specific date. The IRS always seems to find ways to delay things. I've been burned too many times counting on that money for bills. Just pretend you're not getting a refund, and then be pleasantly surprised when it finally shows up lol

If you filed jointly with a spouse or claimed certain credits like EIC or CTC, those can delay processing even if you have a DDD. Also some banks (even Chime) might hold the funds for 1-2 days for verification purposes, especially if it's a large amount.

Pro tip: stop checking every 5 minutes, it only makes the wait worse! Set a calendar reminder for your DDD date and try to forget about it until then. That's what keeps me sane during tax season 😂

Check with claimyr.com - they can get you through to an IRS agent in minutes who can tell you exactly what's happening with your refund. I was in your situation last year and talking to an actual human at the IRS saved me weeks of anxiety. They were able to verify all my info was correct and confirm exactly when my deposit would hit. Total gamechanger compared to the usual IRS runaround!

Don't beleive everything u see in your transcript TBH. My DDD was originally 3/15, then got pushed to 3/22, then suddenly showed up on 3/20. The IRS is all over the place this year.

I dont use Chime but I did have a similar issue with my credit union. What fixed it for me was calling the IRS and confirming they had the right account info. Turns out they had transposed two numbers in my account number which is why nothing was showing up. Might be worth checking.

I used to work at a bank (not Chime). Here's what most people don't realize: the DDD is when the IRS *releases* the payment, not necessarily when you'll receive it. ACH transfers can take 1-3 business days to process through the banking system. So if your DDD is 3/22 (a Friday), you might not see it until Monday or Tuesday of next week, even with Chime's early deposit feature.

Anyone else notice that DDD 3/22 is a FRIDAY? That might be why some people are getting it today/tomorrow instead of earlier in the week. The IRS tends to process things differently for Friday DDDs vs mid-week ones.

Try using taxr.ai to decode your transcript - it helped me figure out exactly where my refund was in the process when I was stuck in a similar situation last month. It makes those confusing IRS codes actually make sense! https://taxr.ai

Honestly the whole tax system needs an overhaul. Why should we have to stress like this every year waiting for OUR money? In other countries the government just sends you a statement of what they think you owe, you verify it, and you're done. None of this waiting and guessing nonsense.