CHIME TAX REFUNDS 2019

A Guide to Tax Refunds

Get your 2018 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

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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. According to IRS.gov, direct deposit is the “best and fastest way to get your tax refund.” Find out how to set up direct deposit for your tax refund here.

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 cannot guarantee that your tax refund will deposit earlier than the estimated date provided by the IRS.

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!

What are my spending and withdrawal limits?

Your Chime Spending Account limit is $2,500 total for every rolling 24 hours.

Spending limits apply to transactions for which you swipe or insert your card (at a point-of-sale or POS) or use your card number to make purchases online, combined with withdrawal transactions.

Withdrawal transactions include ATMs, OTC (Over-the-Counter) and/or cash back at a POS (point-of-sale) location, and purchases are all subject to the $2,500 maximum amount that can be spent using the card per rolling 24 hours. Any fees incurred will count toward the daily spending limits.

Your cash withdrawal limit is $1,500 every rolling 24 hours. Withdrawal limits refer to how much cash you can withdraw from your account. In a rolling 24-hour period, you can withdraw a combined total of $1,500:

  • Up to $500 through ATMs
  • Up to $500 cash back at a POS (at a point-of-sale)
  • Up to $500 from over-the-counter withdrawals at participating bank locations

You can withdraw cash surcharge-free at any of our MoneyPass or Visa Plus Alliance network locations.

Joint Refunds

Does Chime accept joint refunds?

Yes, you can deposit your joint refund into your Chime Spending Account! If you file your taxes jointly with another person, your partner’s name may also appear on your tax refund – That’s okay! To be deposited, our system just needs to match one of the names on the direct deposit to the name on your Chime Spending Account. If neither name on your refund matches the name on your account, the deposit will be returned to the IRS.

*If you have recently gotten married or changed your name, please make sure to contact our Member Services team and update the name on your Chime Account so that it matches the name on your tax return. You can reach us via the customer support tab in the Chime app, or by email at support@chimebank.com. We’ll need a few bits and pieces to verify your new name – please have your updated ID or marriage certificate handy!

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

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

A tax refund may only be direct deposited into an account that is in your name. This means that if you file a joint return, our system needs to match one of the names on the direct deposit to the name on your Chime Spending Account. If a tax refund is directed to an account that is not in your name it may be rejected and returned to the IRS. No more than 3 electronic refunds can be deposited into a single financial account or prepaid card. If you exceed this limit you will receive notice from the IRS and a paper check refund.

Refund Status

What is the status of my tax refund?

Chime will always post your tax refund to your account as soon as it’s received. If you don’t see your tax refund yet, we haven’t received it, and our agents won’t have any information about when it will be 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, please contact the IRS for more information.

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 have recently got married or changed your name, please make sure to contact our Member Services team and update the name on your Chime Account so that it matches the name on your tax return. You can reach us via the customer support tab in the Chime app, or by email at support@chimebank.com. Please be ready to verify your changed name with the new ID or marriage certificate.

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

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.

Will the Government Shutdown or the new Tax Bill affect my tax refund?

The IRS has stated the federal government shutdown and the new Tax Cuts and Jobs Act (TCJA), are likely to cause delays with tax refunds for most U.S. taxpayers for 2018 tax returns. All eligible taxpayers are still able to submit their tax returns normally during a government shutdown.

The IRS will not do any tax audits during a government shutdown.

Learn more about the government’s contingency plan here.

Read more from the IRS on government shutdown related topics here.

Will I need to file a 1099 for my referral bonus or interest to my Savings Account?

Yes, credits of $10 or more must be reported on tax form 1099-INT. Our partner, The Bancorp Bank, will be sending all eligible members an email with your own 1099-INT form. The 1099-INT form reflects all interest, credits, and rewards to your Chime Spending and Savings accounts. Read more about 1099-INT forms on IRS.gov

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