Maryland State Tax Refund Approved 2/6 - Still No Deposit in Chime After 48hr Federal Reserve Window

Got approved for my Maryland state refund on 2/6 with Chime bank but still no deposit. I'm looking at the Maryland Comptroller website right now and it clearly states: "Your refund has been adjusted and was approved on 2/6/2025. If you requested a direct deposit of your refund, it was released to your account on the approved date. According to Federal Reserve Guidelines, the funds should be available within 48 hours. You will receive a letter explaining the changes." It's been well over 48 hours now and I still haven't seen anything hit my Chime account. The website specifically states that the funds should be available within 48 hours after approval according to Federal Reserve Guidelines, but here I am still waiting with nothing. They mention I'll get a letter explaining what changes they made to my refund amount, but I haven't received that either. Is anyone else waiting on Maryland refunds to hit their account? I checked the website again and it says that if I haven't received my deposit or explanation letter, I can contact Taxpayer Service at 410-260-7980 from Central Maryland or at 1-800-MD TAXES from elsewhere. Assistance is available Monday-Friday, 8:30 a.m. - 4:30 p.m. I noticed they also mentioned that "Taxpayer Services Division offers extended telephone hours for individual income tax assistance from February 1 - April 15, 2025" but they're "experiencing high call volume" right now since it's tax season. As an alternative, they suggest sending an email to taxhelp@marylandtaxes.gov to receive an answer in 2-3 business days, but I was hoping to get this resolved faster. Has anyone else had their Chime deposit delayed like this? The Maryland tax website (interactive.marylandtaxes.gov) shows everything should be good to go, but the money just isn't showing up in my account. Should I just wait for the letter or try calling despite the high volume?

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15 comments

Amara Chukwu

•10M

The Maryland Comptroller's website confirms your refund was adjusted and approved on February 6, 2025. There are two key points to note here: first, the mention of an "adjustment" means your refund amount has been modified from what you originally claimed, and second, you'll receive a detailed explanation of these changes by mail. According to the Federal Reserve Guidelines shown in the OCR, while the funds were released on the approval date (2/6), they should appear in your Chime account within 48 hours (by 2/8). The delay beyond this timeframe is unusual, especially for Chime which typically processes deposits quickly. You have three contact options: 1. Phone support: 410-260-7980 (Central Maryland) or 1-800-MD TAXES (elsewhere) 2. Email: taxhelp@marylandtaxes.gov (2-3 business day response) 3. Extended support hours: The tax office is currently offering expanded phone assistance for the tax season (February 1 - April 15, 2025) Given that you've exceeded the standard 48-hour window and there was an adjustment to your refund, contacting the Taxpayer Service directly would be your best course of action, despite the high call volume they're experiencing.

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Zoe Papadopoulos

•3M

I'm dealing with a similar situation but with federal refunds. Sometimes there can be additional processing delays when there's an adjustment made to your refund - the system might need extra time to verify the changes before releasing funds. Since your refund was "adjusted" (not just approved), that could explain the delay beyond the normal 48-hour window. The fact that you haven't received the explanation letter yet also suggests they might still be processing everything on their end. I'd definitely call tomorrow if nothing shows up - even with high call volume, they should be able to give you a status update on both the deposit and the adjustment letter.

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