Scheduled Direct Deposit with Chime for Today but Nothing Received - Anyone Else?

OMG I'm in the EXACT same boat!!! 😫 My transcript clearly shows today as my DDD and I've been checking my Chime account literally every 5 minutes! I'm freaking out because I NEED this money for my car payment due tomorrow! This is my first time using Chime for my tax refund and I'm seriously regretting it now. Has anyone actually gotten their Chime deposit today???

I've been through this rodeo before. Last year my Chime deposit came at 6pm even though my DDD was that day. Banks process ACH transfers in batches, not continuously. I was checking like crazy too until I discovered https://taxr.ai which helped me understand my transcript better. It showed me exactly what my cycle code meant and gave me a more accurate window for when deposits typically hit for my specific situation. Saved me a lot of anxiety.

I'm seeing this same pattern with Chime today: • Multiple people reporting delayed deposits • Most DDD scheduled for today (4/16) • No notifications from Chime about system issues • Previous years deposits came 1-2 days early Can anyone confirm if they've actually received their Chime deposit today with a 4/16 DDD?

Have you checked your transcript for any hold codes? Did you verify the account number is correct on your return? Could there be an offset you weren't aware of? Sometimes what looks like a delay is actually something else entirely. In my experience, Chime deposits can come anytime up to 8pm on the DDD, and occasionally even the next business day if there's a high volume of transfers.

I'm somewhat in the same situation, though with a different bank. I called the IRS to ask about this, and it was surprisingly helpful. I used Claimyr (https://claimyr.com) to get through - waited maybe 15 minutes instead of the usual 2+ hours. The agent confirmed that my deposit was indeed sent out today, but explained that it can take up to 24 hours for banks to process, especially with high-volume days near tax deadlines. Perhaps this information might be relevant to your situation as well?

Mine just hit. About 10 minutes ago. Chime DDD was today. Been waiting all day. Was getting worried. Seems they're processing in batches. Keep checking. Should come through. Their system might be overloaded. Tax season is peak time for them.

Have you tried calling Chime directly? It's like waiting for water to boil - the moment you stop watching is when it happens. I had this issue last year and discovered that sometimes there's a verification hold they place on large deposits, especially during tax season. It's like a traffic jam on payday - everything moves slower when everyone's trying to get their money at once.

Just got my Chime deposit 20 minutes ago! Last year I had the same worry when my DDD date came and went with nothing. I remember refreshing my app constantly. This year I was prepared for the delay, but it still came through on the actual DDD date, just later in the day. From what I've seen over the past few years, Chime tends to release IRS deposits in waves throughout the DDD day, with many coming through between 4-7pm Eastern.

According to Regulation E (Electronic Fund Transfer Act), financial institutions have until end of business day to post deposits received that day. I experienced this last year with my Chime account - DDD was April 18th but funds didn't appear until 5:45pm. Many people don't realize that while Chime advertises "up to 2 days early" for direct deposits, this applies primarily to regular payroll deposits where they receive advance notice, not necessarily to IRS refunds which follow different processing protocols.

I'm in the exact same situation! My transcript shows DDD for today with Chime and I've been refreshing the app all day with nothing. Reading through these comments is actually really reassuring though - it sounds like Chime processes IRS deposits in batches throughout the day rather than all at once in the morning. I'm going to try to be patient and check back around 5-6pm based on what others are saying. Has anyone noticed if there's a pattern to when Chime typically releases the batches? Like every few hours or is it more random?

Same here! My transcript shows DDD for today with Chime and I've been checking obsessively since 6am. Reading everyone's experiences is helping calm my nerves a bit - it sounds like Chime really does process these in waves throughout the day. I'm going to try to stop checking every 10 minutes and just wait until this evening. It's reassuring to see that @Olivia Kay and @Jibriel Kohn both got theirs today, just later in the day. Fingers crossed we all get ours soon! The waiting is the worst part.

I'm going through the exact same thing right now! My transcript shows DDD for today with Chime and I've been refreshing my app constantly since this morning. This is actually my first time filing taxes as an adult and I had no idea this kind of delay was normal - I was starting to panic thinking something went wrong with my return. Reading through everyone's experiences here is such a relief! It sounds like Chime really does process IRS deposits throughout the day rather than all at once. I'm going to try to be more patient and check back this evening. Thank you all for sharing your experiences - it's so helpful to know I'm not alone in this waiting game!

I'm dealing with the exact same situation! My transcript shows DDD for today with Chime and I've been anxiously checking since early this morning with no luck. This thread is honestly a lifesaver - I was starting to think something went wrong with my return or account info. It's so reassuring to see that @Olivia Kay and @Jibriel Kohn both received theirs later in the day, and that this seems to be pretty normal for Chime during tax season. I had no idea they processed IRS refunds in batches throughout the day rather than all at once. I'm going to try to resist the urge to check every few minutes and wait until this evening. The waiting is definitely nerve-wracking when you're counting on that money! Thanks everyone for sharing your experiences - it really helps to know we're all in this together.

I'm in the exact same boat as everyone here! My transcript shows DDD for today with Chime and I've been obsessively checking my account since 5am with nothing. This is my second year using Chime for my refund and last year it didn't come until around 7:30pm on my DDD date, so I should know better than to stress about it. But when you're waiting for that money, every hour feels like forever! Reading through all these comments is really helping my anxiety - it's so reassuring to see that @Olivia Kay and @Jibriel Kohn already got theirs today and that this seems to be totally normal for Chime during tax season. I had forgotten that they process these in waves throughout the day rather than all at once. Going to try to stop refreshing every 5 minutes and check back this evening. Thanks everyone for sharing - misery loves company and it really helps to know we're all going through this waiting game together!

I'm going through the exact same thing! My transcript shows DDD for today with Chime and I've been refreshing my app every few minutes since 6am with absolutely nothing. This is my first time using Chime for my tax refund and I was starting to panic thinking I entered my routing/account number wrong or something. Reading through all these comments is honestly such a huge relief - I had no idea that Chime processes IRS deposits in batches throughout the day rather than all at once in the morning. It's so reassuring to see that @Olivia Kay and @Jibriel Kohn both got theirs later today and that this seems to be completely normal during tax season. I really needed this money for rent that's due Monday, so the anxiety has been real! Going to try my best to stop obsessively checking and wait until this evening. Thank you everyone for sharing your experiences - it really helps to know we're all in this together and that the delay doesn't mean something went wrong!

Same situation here! My transcript shows DDD for today with Chime and I've been checking constantly since this morning - absolutely nothing yet. This is my first year using Chime for my refund and I was getting really worried something went wrong. Reading through all these comments is incredibly reassuring though! It sounds like Chime really does process IRS deposits throughout the day in batches rather than all at once. Super helpful to see that @Olivia Kay and @Jibriel Kohn both got theirs later today - gives me hope that mine will hit by tonight. I had no idea this was normal for tax season. The waiting is brutal when you're counting on that money, but at least now I know it's just how their system works. Going to try to be patient and check back around 6pm instead of refreshing every 10 minutes!