NJ State Tax Refund DDD 3/11 - Early Deposit with Chime?

In my experience, state refunds don't follow the same early deposit patterns as federal refunds. I've seen NJ state refunds take exactly the time indicated, unlike federal returns where Chime might post 2-5 days early. The NJ Treasury processes these differently than the IRS does, so I wouldn't count on seeing it before the 11th. That said, it's not impossible - just less likely compared to what happens with federal refunds.

According to NJ Administrative Code 18:35-2.3, state refunds are processed according to the specified schedule regardless of the financial institution. The early deposit feature some banks advertise primarily applies to payroll and federal tax refunds, not state-issued payments. NJ Treasury doesn't release the ACH transfers with the same advance timing as the federal system.

You might want to check Chime's specific policies for state tax refunds. From what I know, NJ typically releases the funds exactly 24-48 hours before the DDD, and Chime typically posts deposits within 2 hours of receiving the ACH notification. This means you *might* see it as early as March 9th, but definitely not the 5-7 days early that some people see with federal refunds. I'd plan for the 11th but keep an eye on your account starting on the 9th.

Last year I was obsessively checking my account for my NJ refund. The DDD was April 14th, and I finally got fed up with waiting and called NJ Treasury. Spent 3 hours on hold before giving up. Then I tried Claimyr (https://claimyr.com) to reach them - got through in about 25 minutes. The agent confirmed they had initiated the transfer but it was in a pending state. Got my deposit that night at 11:30pm. Sometimes just confirming the status can give you peace of mind instead of constantly checking your account.

Chime user here w/ NJ refunds for past 4 yrs. Here's the deal: Fed refunds = up to 5 days early w/ Chime. NJ state = usually 0-1 days early, max. NJ batches their ACH diff than IRS. Last yr my DDD was 3/15, got it 3/14 around 6pm. Yr before was exactly on DDD. It's not like fed where you can count on early deposit. Chime can only post what NJ sends, and NJ doesn't send early like IRS does. Just my exp.

Let me walk you through what actually happens with NJ state refunds: 1. First, NJ assigns a DDD when your return is fully processed 2. Then, they schedule an ACH transfer 1-2 business days before the DDD 3. Next, the ACH system processes this over 24-48 hours 4. Finally, your bank posts it when they receive the completed ACH The warning here: I've seen people count on early deposits and make financial commitments, only to have the money arrive exactly on the DDD. Unlike federal refunds, NJ state is much less predictable with early deposits. Don't make any critical plans for that money before the actual DDD.