Get your federal tax refund up to 5 days early¹ with direct deposit

Nope! You do not have to pay or declare taxes for using Credit Builder. To learn more about filing taxes, we recommend speaking with a tax professional and checking the IRS website.

Nope! You do not have to pay or declare taxes for using SpotMe. To learn more about filing taxes, we recommend speaking with a tax professional and checking the IRS website.

You can find your current Chime Checking Account spending and withdrawal limits by using the chat feature in your Chime mobile app, or by going to Settings > Account Policies & Terms > Deposit Account Agreement in order to view your current account limits.

Yes! Disabling transactions only works for Chime Visa^® Debit Card transactions and does not affect tax refunds⁴ or direct deposits.

Sometimes. Unfortunately, we cannot currently guarantee that our Mobile Check Deposit feature will accept all tax refund checks⁴ due to their unique shape, color, and markings.

Learn more about Mobile Check Deposit⁵ limits in your Deposit Account Agreement here. Please view the back of your debit card to identify your issuing bank.

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

You can find your Checking Account Number and Routing Number in the Chime app! Just go to Settings >  Account Information!

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!

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 Checking Account you are depositing to. 

Important: If the primary filer’s name doesn’t match the name on the Chime Checking Account it is being deposited to, 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 Checking Account to match the name on your tax return. You’ll need your updated ID and marriage certificate for verification.

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.

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

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

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 Checking Account Number and Routing Number.

Direct debits will be removed from your Chime Checking 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.

It’s possible your tax implications may have changed due to COVID and Unemployment. We recommend speaking with a tax professional and checking the IRS website for more information.

The IRS has stated that the Economic Impact Payment (aka Stimulus Payment) will not reduce your refund or increase the amount you owe when you file your 2022 Federal income tax return. For the most updated Tax information, please check the IRS website.

According to the IRS, if you need more time to prepare and file your taxes, you may be able to file for an extension before the April 18th deadline. We recommend speaking with a tax professional and checking the IRS website for more information.

The last day to file your taxes without a penalty is Tuesday, April 18th, 2023. To learn more about filing taxes, we recommend speaking with a tax professional and checking the IRS website.

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 September 15, 2022.

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)!

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.

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.

Your tax refund may be returned if:

• You filed your tax refund under a different name than the one you have on your Chime Checking 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 Checking 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.

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.

If you’re claiming Child Tax Credits, double-check the amount you’re claiming and make sure it’s accurate. Any discrepancies could delay your tax refund anywhere from 6 weeks to 3 months. For more information on Child Tax Credits, check the IRS website.