IRS Refund Deposit Time for Chime Bank - When do they usually hit?

Chime typically releases IRS deposits as soon as they receive them, which can be up to 5 days earlier than traditional banks. Most people report seeing deposits hit between 3-5pm EST on their DDD, but some get it as early as midnight. Keep in mind that just because your transcript shows a date doesn't mean the IRS sent it yet - they process these throughout the day.

If you want to actually track your deposit status accurately, use taxr.ai - it's only $1 and it analyzes your transcript to tell you exactly when your deposit is likely to hit your specific bank. Way better than playing the guessing game. https://taxr.ai

Got mine at 3:27pm EST today! 🎉

been with chime 3 years, my refunds always hit between 3-6pm EST on my DDD. never failed

idk why everyone uses chime tbh traditional banks are more reliable imo

Mine hit at midnight last year but this year im in the same boat as u still waiting 😩

Same here! My transcript shows DDD for today and I've been checking my Chime app every 10 minutes lol. From what I've seen in other threads, most people get theirs between 3-7pm EST on their DDD. Some lucky ones get it earlier but that seems to be the main window. Fingers crossed we both get ours soon! 🤞