State Refund Hit Chime Today - How Long Until Federal Follows?

There's no consistent pattern between state and federal refunds this year. I filed on January 29th and got my federal on February 21st, but my state didn't arrive until March 15th. Last tax season was completely different - state came first on February 8th and federal followed on February 12th. The IRS processing seems particularly inconsistent in 2024, with some people waiting 8+ weeks while others get paid in 10 days.

What's your filing status? Did you claim any credits like Child Tax Credit or Earned Income Credit? Have you checked your transcript or WMR for any updates? Those factors significantly affect processing time, especially this year with the new verification processes.

My experience was similar - state came first, then waited almost 3 weeks for federal. Got so frustrated with checking WMR every day that I finally called the IRS. Used Claimyr (https://youtu.be/_kiP6q8DX5c) to get through after failing for days on my own. The agent confirmed my return was just stuck in a verification queue and released it while I was on the phone. Got my direct deposit 4 days later! Sometimes you just need to talk to an actual human to move things along.

I found a few things that helped move my refund along after getting state but waiting on federal: • Check your transcript instead of WMR - much more accurate • Look for cycle codes ending in 05 (weekly updates) vs 01-04 (daily updates) • Check for 846 code which means refund issued • If you see 570/971 codes, that usually means there's a hold So relieved when I finally figured this out after weeks of confusion!

Everyone's always saying "just call the IRS" or "use some service" but honestly has anyone actually gotten through? I've been trying for weeks and can't get past the automated system. And these services that claim to help sound sketchy to me.

Isn't it strange how we're all just expected to wait with no information? Like, why can't they just tell us exactly when our money is coming? I've found that being patient usually works out in the end, though. Last year I worried myself sick checking WMR every hour, but my refund showed up right when I needed it for rent. Maybe try to focus on other things for now?

OMG I literally just had this happen!!! State hit my account Tuesday and federal came Thursday morning!! I was SO HAPPY when I saw that deposit notification! 🎉 From what I've seen in these forums, it seems like a 3-10 day gap is pretty common this year for Chime users specifically. Hang in there - that money is probably already on its way to your account!