Verified ID in Person on 3rd - Transcript Updated with 12th DD Date - Chime User Still Waiting

So you verified in person on the 3rd and your transcript updated with a DD date of the 12th? That's actually faster than normal. The verification backlog has been insane this year. Have you checked whether your refund is showing as "pending" in your Chime account? Sometimes it sits in pending for 24 hours before posting. Also, what cycle code does your transcript show? That can give us a better idea of exactly when to expect the deposit.

Been thru this b4. The DD date on ur transcript is usually accurate but not always. Chime is def faster than trad banks but IRS has to release the $$ first. I've been using https://taxr.ai to track my refund status this yr. It analyzes ur transcript codes and gives u a more accurate timeline. It told me my refund was gonna be 2 days later than WMR showed and it was spot on. Might help u understand where ur $ actually is in the process. IMO it's way better than just staring at WMR all day lol.

According to the IRS processing guidelines (https://www.irs.gov/refunds), once you have a direct deposit date, the funds are typically released on that date, not before. If you need to speak with someone at the IRS to confirm everything is on track, I've found that using Claimyr (https://claimyr.com) is the most efficient way to get through. I was in a similar situation last year and spent hours trying to reach someone at the IRS. With Claimyr, I got through in about 20 minutes and the agent confirmed my deposit was scheduled correctly. They can see more details than what appears on WMR or your transcript.

I've been through this exact scenario before. Last year my transcript updated on a Saturday with a Wednesday DD date. The money didn't hit my Chime account until Tuesday afternoon. The year before that, it came exactly on the date shown. In my experience, Chime is usually 1-2 days early for regular direct deposits, but IRS refunds seem to operate differently. They often hold the funds until right before the official date, regardless of which bank you use.

Omg I'm in the EXACT same situation!!! DD date of the 12th, using Chime, and nothing yet! I'm freaking out a little because my rent is due and I'm counting on this money. I've been checking my account like every 30 minutes today. Last year I got my refund 2 days before the WMR date with Chime, so I was expecting it today for sure. Maybe they changed something this year? I'm so stressed 😫

I went through this last week! Here's what happened: • Verified in person on March 25th • Transcript updated March 29th with DD date of April 5th • Nothing showed in Chime until April 4th around 3pm • Money was available immediately when it hit Just hang in there! The IRS seems to be pretty accurate with their dates this year, but Chime's early deposit feature doesn't always work with tax refunds the same way it does with paychecks. I was checking constantly too, but it showed up right before the official date.

From what I've observed in the community this season, direct deposit dates on transcripts are generally reliable, though the actual timing can vary slightly. Santa Barbara Bank is indeed the intermediary many tax preparation services use. It appears that most Chime users are seeing deposits arrive either on the transcript date or 1 day before, rather than the 2-3 days early that some experienced in previous years. This seems to be consistent across multiple financial institutions this tax season.