Paper returns and check refunds can take more than 2 months. If you used both these options, you should receive your refund within 21 days. The IRS pays out refunds based on a schedule that prioritizes e-filed returns and direct deposit refunds. How long does it take for Chime to deposit tax refund? Getting your federal tax refund early 1 is simple with Chime! Direct deposit is the easiest way to make sure you get your money as soon as it’s available- up to 3 days early! Just add your Bank routing number and Chime Spending Account number when you file your federal taxes directly with the IRS. This can occur anytime between midnight and 9 AM EST. Chime will deposit your money after its computers have batch processed overnight. There is nothing special about a tax refund that would give it different timing than every other type of deposit.Yet, nine out of 10 people who e-file receive their tax refunds in three weeks or less. The IRS states that it can pay out most tax refunds within 21 calendar days after submission. If you e-filed your return, you can expect to receive a faster refund through direct deposit.
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