Tax Refund Information

Does early direct deposit apply to my tax refund?

In the same way we process your paycheck, we’ll post your tax refund as soon as we receive the file from the IRS and does not come 2 days early.


How do I know the status of my refund?

If you think it’s taking too long to get your refund, you can always check on your refund status with the IRS’s Refund Tracker.


Why should I select direct deposit as my refund method?

According to the IRS, e-filing and selecting direct deposit as your refund method is the fastest way to get your refund. If you choose to direct deposit your refund, you should expect to receive your money in 21 days or less. Paper checks can take up to 8 weeks to receive and we will notify you with a push notification and email to your phone.


Can I receive a tax refund direct deposit that is the name of my domestic partner, spouse, dependent, or child?

In general, we will only post deposits that have your name listed as payee. If you joint file with a domestic partner, spouse, or dependent, your name must be on the deposit file we receive from the IRS. 


I’m expecting a large tax refund. Are there any limits to the amount I can direct deposit?

You can direct deposit any amount to your Chime Spending Account. If you are receiving a large deposit from the IRS or payroll provider, we will post it to your account as normal. We’ll let you know the moment your deposit posts with a transaction alert.


How do I direct deposit my tax refund to my Chime account?

  1. Get your account and routing numbers.
    Access your account information from the Move Money section of your Chime account.

  2. Include your Chime account information when you file.
    Select direct deposit as your refund method and include your account and routing numbers.

  3. Get notified when your refund arrives.
    We’ll let you know the moment your refund is deposited to your account.

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