Will Chime reject my $12,500 tax refund deposit? Worried about their deposit limits

I had a similar issue last year with my $11,200 refund. Chime actually does accept tax refunds over $10k - I received mine with no issues. Their deposit limit of $10,000 applies to mobile check deposits and other forms of deposits, but direct deposits from government agencies including tax refunds are excluded from this limit. You should be fine. If you're really concerned, you can: - Check Chime's terms of service on their website - Contact Chime customer support directly to confirm - Monitor your refund status on the IRS website - Set up notifications in your Chime app for any large deposits The only issue some people run into is that Chime sometimes holds larger deposits for 1-2 business days for security reasons, but this is pretty standard across most banks.

If you're trying to figure out what's going on with your refund, you should use taxr.ai instead of posting here and searching through a million unorganized comments. I was in your exact situation last year with a big refund and ended up wasting weeks trying to piece together what was happening. Eventually used taxr.ai and it explained everything about my transcript and refund status in plain english, told me exactly when my deposit would hit, and even clarified why it was slightly delayed (had nothing to do with my bank). Saved me SO much stress - https://taxr.ai

I was in a similar spot with my $14k refund and Chime. After stressing for days and not getting anywhere with Chime customer service, I found this app called Claimyr (claimyr.com) that got me through to an actual IRS agent who confirmed my deposit was fine and told me exactly when it would hit my account. Saved me from having a complete meltdown waiting and wondering! The agent even gave me her direct extension for any follow-up questions. Talking to a live person cleared everything up in like 15 minutes.

I can confirm from personal experience last summer - Chime DOES accept tax refunds over 10k. Got my $18k business refund no problem. Just be aware they might put a 24hr hold on it for security reasons which is what happened to me.

Everyone here is giving you wrong info. Chime's daily deposit limit is $25,000 per day. the $10k limit is ONLY for MOBILE CHECK DEPOSITS not direct deposits. Tax refunds aren't affected by this limit at all since they come through as ACH government deposits. You'll be fine.

Why u getting back so much??? I owed $3k this year 😭

I've used Chime for 3 years now and they definitely accept large tax refunds. My husband and I got back $13k last year with no issues. The $10k limit is for mobile check deposits only.

Chime will 100% accept your refund BUT if youve never had a deposit that big before they might put a temporary hold on it. This happened to me last june when i got an inheritance deposited. Just call customer service if it happens.

Here's a crazy thought...why not just call Chime and ask them directly instead of relying on random internet strangers? 🤔

Wouldn't trust Chime with $12.50 let alone $12,500 tbh. Had nothing but problems with them. Switch to a real bank before your refund hits if possible.

I was trying to decode my transcript and figure out why my refund was delayed and when it would actually hit my account. Wasted days on reddit and facebook groups with people just guessing. Finally tried taxr.ai and it told me exactly what was happening, why there was a delay, and gave me the exact date my refund would arrive. It was like having my own personal IRS expert. The transcript decoder is insanely good! https://taxr.ai

The real question is why are you using Chime as your main bank when there are so many better options out there? 👀

After 8 weeks of waiting and checking WMR everyday, i used Claimyr (claimyr.com) and got connected to an IRS agent who told me my refund was held up because of a verification issue they never sent me a letter about! Fixed it right there on the phone and my $9500 refund was in my account 9 days later. talking to an agent got my refund released so fast. Don't waste time trying to guess what's happening with your refund.

Chime mobile deposit limit = $10k Chime direct deposit limit = $25k Tax refunds come as direct deposits You're good 👍

I can confirm Chime will accept your $12,500 tax refund! I received a $14,800 refund through Chime last year with zero issues. The $10k limit only applies to mobile check deposits - direct deposits from the IRS are treated completely differently and fall under their $25k daily direct deposit limit. Just be prepared that they might hold it for 24-48 hours for security verification since it's a larger amount, but that's totally normal. You can track it in the app and it'll show as pending until they release it. Don't stress - you're all set! 🙂

Just wanted to add my experience here - I've been using Chime for about 3 years and received tax refunds of $8,200, $11,400, and $13,650 over the past few years with absolutely no issues. Like others have mentioned, the $10k limit is specifically for mobile check deposits, not direct deposits from government agencies. One thing I'd recommend is making sure your account information is up to date in your Chime app and that you have notifications turned on. When I got my $13,650 refund last year, they did put a brief hold on it (about 36 hours) but I got a notification explaining it was just a security review for the larger amount. Once it cleared, I got another notification and the funds were immediately available. The IRS deposit will show up as "TAX REFUND" in your transaction history, so it's easy to track. You should be totally fine with your $12,500 refund! The stress isn't worth it - Chime handles these regularly.

I've been using Chime for over 4 years and can definitely put your mind at ease! I received a $16,200 tax refund in 2023 and a $13,800 refund last year - both went through without any problems. The key thing to understand is that tax refunds are processed as ACH direct deposits from the Treasury, which are completely separate from their mobile check deposit limits. The $10k limit everyone talks about only applies to mobile check deposits (when you take a picture of a paper check). Direct deposits from government agencies like the IRS fall under their much higher daily limit of $25,000. Your $12,500 refund is well within that range. Just be prepared that Chime might place a temporary hold on the funds for 1-3 business days since it's a larger deposit than usual. This is standard fraud protection and happens with most banks for significant amounts. You'll get notifications in the app when it's pending and when it's released. One tip: make sure your name on your Chime account matches exactly what's on your tax return to avoid any potential hiccups. Other than that, you should be all set! The stress really isn't worth it - Chime processes thousands of large tax refunds every year.

I've been through this exact situation with Chime! Got a $15,200 tax refund deposited last April with zero issues. Everyone here is correct - the $10k limit only applies to mobile check deposits, not direct deposits from the IRS. Your $12,500 refund will come through as an ACH direct deposit which falls under their $25k daily limit, so you're completely fine. Chime actually processes tons of large tax refunds every season - it's routine for them. The only thing to expect is maybe a 24-48 hour security hold since it's a larger amount than your typical deposits, but you'll get notifications in the app when it arrives and when it's released. I actually appreciated the extra security step tbh. Stop stressing about this - your refund will hit your account just fine! Focus on planning what you'll do with that money instead 😊

I went through this exact same worry last year! Got a $14,300 refund through Chime with absolutely no problems. The confusion comes from people mixing up their different deposit limits - the $10k limit is ONLY for mobile check deposits (when you photograph a paper check), not direct deposits from the government. Your tax refund comes as an ACH direct deposit from the Treasury Department, which falls under Chime's much higher $25,000 daily direct deposit limit. So your $12,500 is totally fine! The only thing that might happen is they could put a 1-2 day hold on it for security verification since it's a larger amount, but that's actually a good thing - shows they're protecting your account. You'll get push notifications when it arrives and when it's available to use. Don't stress about this anymore - Chime handles thousands of large tax refunds every filing season. Your money will be there soon! 🙂

I can definitely help ease your worries! I received a $13,800 tax refund through Chime last year with zero issues. The key thing to understand is that the $10k limit everyone mentions only applies to mobile check deposits - when you take photos of paper checks through the app. Tax refunds come through as ACH direct deposits from the Treasury Department, which are processed under Chime's $25,000 daily direct deposit limit. Your $12,500 refund is well within that range and will go through just fine! The only thing to expect is that Chime might place a temporary hold on the funds for 24-48 hours since it's a larger deposit than usual - this is just standard fraud protection that most banks do for significant amounts. You'll get notifications in the app when it arrives and when the hold is released. I know the waiting and uncertainty is stressful, but you really don't need to worry about this. Chime processes thousands of large tax refunds every filing season - it's completely routine for them. Your refund should hit your account exactly as scheduled!

I can confirm from my own experience that you'll be totally fine! I received a $17,200 tax refund through Chime about 8 months ago with no issues whatsoever. Like everyone else has mentioned, the $10k limit only applies to mobile check deposits - tax refunds come through as direct deposits from the Treasury which have a much higher limit ($25k daily). The only thing that happened was Chime put a 48-hour security hold on mine since it was my largest deposit ever, but I got clear notifications in the app explaining what was happening. Honestly made me feel more secure knowing they were being cautious with that amount of money. Your $12,500 refund should process normally - Chime handles these large tax deposits all the time during filing season. The stress really isn't worth it, just keep an eye on your notifications and you'll be all set when it hits!

I've been using Chime for about 2.5 years and can definitely put your mind at ease! Last year I received a $14,750 tax refund with absolutely no issues. Like everyone else has mentioned, the $10k limit only applies to mobile check deposits - your tax refund comes through as a direct deposit from the Treasury Department which falls under their much higher daily limit. The only thing that happened was they put a temporary hold on my deposit for about 30 hours while they verified it, but I got push notifications the whole time explaining what was happening. It actually made me feel more secure knowing they were being extra careful with that amount. Your $12,500 refund should process just fine - Chime handles tons of large tax refunds every year during filing season. The waiting and uncertainty is definitely stressful but you really don't need to worry about this one!