CHIME TAX REFUNDS 2020

A Guide to Tax Refunds

Get your 2020 tax refund direct deposited to your Chime Spending Account. Read our Common Questions below to learn more about receiving your tax refund with Chime.

Common Tax Refund Questions

Please note: By clicking on some of the links below, you will leave the Chime website and be directed to an external website. The privacy policies of the external website may differ from our privacy policies. Please review the privacy policies and security indicators displayed on the external website before providing any personal information.


The Basics

Can I get my tax refund deposited to my Chime Spending Account?

Yes, you can!

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

Direct deposit is the easiest way to deposit your tax refund into your Chime Spending Account. Whether you file online or on paper, all you need to do is enter your Chime Spending Account Number and Routing Number where prompted. 

You can find your Spending Account Number and Routing Number in the Chime app! Just go to SettingsAccount Information!

Why should I select direct deposit as my refund method?

Eight out of ten taxpayers get their refunds by using Direct Deposit. It is simple, safe and secure. This is the same electronic transfer system used to deposit nearly 98 percent of all Social Security and Veterans Affairs benefits into millions of accounts.

According to the Internal Revenue Service (IRS), “Combining direct deposit with IRS e-File is the fastest way to receive your refund. IRS issues more than 9 out of 10 refunds in less than 21 days. You can track your refund using the IRS’s ‘Where’s My Refund’* tool.” To find out more, read this article updated on June 25, 2018.

We will notify you as soon as we have received your refund – with an email and a push notification (if enabled on your mobile device)!

Will I get my tax refund up to two (2) days early?

We can’t  guarantee that your tax refund will deposit earlier than the estimated date provided by the IRS. That said, we’ll always post your tax refund to your account as soon as we receive it!

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

You can make a direct deposit of any amount into your Chime Spending Account; but deposits over $10,000 may require additional verification. We’ll send you an email and a push notification (if enabled on your mobile device) as soon as your deposit arrives!

Can I deposit my refund check with Mobile Check Deposit?

We cannot currently guarantee that our Mobile Check Deposit feature will accept all tax refund checks. The reason for this is most government checks have unique shapes, colors, and markings that may not be recognized by our Mobile Check Deposit feature. 

Learn more about Mobile Check Deposit limits in your Deposit Account Agreement here.

Please view the back of your debit card for its issuing bank.

Joint Refunds

Does Chime accept joint refunds?

Yes, however a tax refund may only be direct deposited into an account that is in your name. To accept a joint refund, just make sure the name of the primary filer listed on your tax refund is the exact same name listed on the Chime Spending Account you are depositing to. 

Important: If the primary filers name doesn’t match the name on the Chime Spending Account it is being deposited, the deposit will be rejected and returned to the IRS. No more than three electronic refunds can be deposited into a single financial account or prepaid card. If you exceed this limit, you will receive a notice from the IRS and a paper check refund.

If you recently got married or changed your name, contact Chime Member Services to update the name on your Chime Spending Account to match the name on your tax return. You’ll need your updated ID and marriage certificate for verification.

Refund Status

What is the status of my tax refund?

We’ll always post your tax refund to your account as soon as we receive it. If you don’t see your tax refund yet, that means we haven’t received it, and our Member Services team won’t have any further information about when it will become available. 

The best way to find your estimated refund date is to visit Where’s My Refund on the IRS.gov website or the IRS2Go mobile app. If your expected refund date has passed, we recommend  contacting the IRS for more information. 

Note: State and Federal Tax Returns are processed on different timelines, and may post to your account on different days.

What happens if I made a mistake while filing my taxes?

If your tax refund has not yet been sent, you can call the IRS to stop it. Their toll-free number is 1-800-829-1040.

My refund is less than it should be. What should I do?

If your tax refund is less than you were expecting, we recommend contacting the IRS. If you have the Save When I Get Paid feature enabled, 10% of your tax refund will be deposited automatically into your Chime Savings Account.

Why was my tax refund returned?

Your tax refund may be returned if:

  • You filed your tax refund under a different name than the one you have on your Chime Spending Account.
  • You attempted to deposit someone else’s tax refund into your Chime Account.
  • You accidentally used the wrong account number or routing number when you filed.

The most common reason that tax refunds and direct deposits are returned is because the name on the direct deposit does not match the name on the Chime Account.

If you recently got married or changed your name, contact Chime Member Services to update the name on your Chime Spending Account to match the name on your tax return. You’ll need your updated ID and marriage certificate for verification. 

If the name on the direct deposit does not match the name on the Chime Account, the deposit will be returned to the IRS.

If my tax refund was returned, how do I get it now?

Any tax refund that is returned to the IRS will be sent out as a physical check to the address you listed when you filed your taxes. Please reach out to the IRS directly if your refund was returned.

More Help

When is the last day to file my taxes?

The last day to file your taxes without a penalty is Wednesday, July 15th, 2020.

Can you increase my spending and withdrawal limits?

No. Our spending and withdrawal limits are controlled by our holding bank and cannot be changed at this time.

If I lost my card, will I still get my tax refund?

Yes! Your tax return is deposited using your Chime Spending Account number and Routing number. These do not change when you order a new card.

How do I make a large purchase?

To make purchases larger than your daily spending limit on your Chime Visa® Debit Card, you can set up direct debit payments with billers who offer this option. You’ll just need to provide the merchant with your Spending Account Number and Routing Number.

Direct debits will be removed from your Chime Spending Account when requested by a biller and do not place any hold on your funds. If your balance is not sufficient to cover the payment, it will be declined. 

Note: There are no limits or fees associated with direct debits.

I won one of your sweepstakes/contests. Do I need to report this on my taxes?

Yes. Credits of $600 or more must be reported on tax form 1099-MISC. Our partner, The Bancorp Bank, will mail 1099-MISC forms to anyone that is required to report this to the IRS.

I earned a referral bonus when I opened my Chime Spending Account and/or received interest on my Chime Savings Account. Do I need to report this on my taxes?

Yes. Credits of $10 or more must be reported on tax form 1099-INT. Our partner, The Bancorp Bank, will mail 1099-INT forms to anyone that is required to report this to the IRS.

Get Started Today

Applying for an account is free and takes less than
2 minutes with no impact to your credit score.

Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.

Please note: By clicking on some of the links above, you will leave the Chime website and be directed to an external website. The privacy policies of the external website may differ from our privacy policies. Please review the privacy policies and security indicators displayed on the external website before providing and personal information.

The privacy policy of the owners of the websites may differ from our privacy policies. Please review the privacy policies and security indicators displayed on the external website before providing any person information. The Issuer of your card, The Bancorp Bank, neither endorses nor guarantees any of the information, recommendations, optional programs, products, or services advertised, offered by, or made available through the external website (“Products and Services”) and disclaim any liability for any failure of the Products and Services.

© 2013-2020 Chime. All Rights Reserved.