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

The best way to get your tax refund ASAP is to file your taxes electronically. No need to wait for a paper check in the mail, you can have it sent right to your 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.
    Cha-Ching! We'll send you a notification as soon as your refund arrives.


Does early direct deposit apply to my tax refund?

No, you will not get your refund 2 days before the ETA provided by the IRS. 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?

To check the status of your Tax Refund, please head to the official IRS Refund Status page. In most cases your tax refund will post on the date indicated in the IRS refund tracker, not 2 days early.

Chime will release your tax refund as soon as it is received. If you have notifications enabled you will receive a push notification the instant your deposit is available.


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. 


Does Chime accept joint refunds?

We've worked with our holding bank so that we can accept joint refunds this year. Three things to be aware of if you file jointly:

  1. Your name MUST be on the tax refund. It's ok if you file jointly and your partner's name is there too, but to be deposited, our system needs to match the name on the direct deposit to the name on your account.
  2. If you recently got married, make sure to update your name on file with Chime so that it matches the name on your tax return.
  3. You cannot deposit someone else's tax refund into your Chime Spending Account. Only your tax refund can go into your Chime account.


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


If I get my tax refund as a paper check, can I deposit it via Mobile Check Deposit?

We are currently in the finishing stages of developing our Mobile Check Deposit feature; it was just in Beta and tested by a small group of members! 

Once we’ve put the final touches on it, we'll add it to the Chime app for all our members (and email you to let you know!)

Currently, you can deposit checks through a third a party app, Ingo Money. Please keep in mind that Ingo may impose fees to use their service.


What are my spending limits?

You can spend up to $2,500.00 every 24 hours by swiping your Chime card. Payments made with your account and routing numbers, such as direct debit and bill payments, are not limited.

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