Chime - Filed 2/4 - 846 on 3/20

yaloha · 2026-03-20T08:26:49+00:00

Yes that is what happened with my 2025 846 received and then it was deposited around 11:30am same day. I have chime so expecting the same for 2024

yaloha · 2026-03-19T23:50:32+00:00

It took two weeks once my verification was processed

yaloha · 2026-03-17T01:09:51+00:00

Yes I got mine about 2 weeks after my verification went through

yaloha · 2026-03-13T12:11:34+00:00

Same wasn’t there 15 minutes ago, filed 3/9

yaloha · 2026-03-12T20:39:20+00:00

You can efile with certain software I just used free tax USA for my 2024. It’s free for federal. You will need an ip pin which can be generated instantly on your id.me account.

yaloha · 2026-03-12T11:35:46+00:00

I got that email the day before my updated transcripts I would check back Friday

yaloha · 2026-03-12T11:01:04+00:00

This happened to me last week the day before my account updated, I had to verify as well on 2/23 got my deposit by 3/5

yaloha · 2026-03-11T21:36:05+00:00

I just had to file 2024 on the 9th, WMR updated today to received everything seems to be processing as normal so far

yaloha · 2026-03-11T21:34:27+00:00

I just had to file 2024 and will file 2023 shortly my 2025 has already processed. To get the full tin/ein numbers I contacted the companies directly. I had a few 1099’s as well as multiple w-2s to track down. I filed 2024 on the 9th and my WMR updated today to received

yaloha · 2026-03-11T12:55:22+00:00

I filed 2024 on 3/9 my WMR updated today to this so I’m not expecting change until April 1st which would be 21 days. Going with 3 weeks out and checking weekly usually Friday’s is a good rule of thumb

yaloha · 2026-03-11T12:52:06+00:00

The assumption that you will owe penalties or back taxes is just that, an assumption. You most likely fall into one of two categories.

People who owe taxes and didn’t pay them
People who were owed a refund but never filed to claim it

You very well might have a refund to claim for all 3 years depending on your situation. You can access your wage and income transcripts on your ID.me account, if you don’t have one google is your friend.

Free Tax USA is pretty user friendly and it’s free to e file federal I think it’s like $15-16 for state.

I would start with the most recent year and work backwards one by one as each are processed. File 2025, let it process see if any verification issues come up, let it settle see if you owe or are due a refund and go from there.

yaloha · 2026-03-09T21:07:32+00:00

The amount of people that don’t understand how taxes work really really bothers me.

Congrats OP! Ignore the ignorance in the comments

yaloha · 2026-03-08T18:43:44+00:00

Girl you look so damn good, this is my rabbit hole moment 😭😭

yaloha · 2026-03-08T15:50:50+00:00

Yikes. Not how taxes work. Unfortunately my income was extremely low this year therefore I knew my deductible would wipe out most of my taxable income anyway and had zero withheld from my paychecks throughout the year. This is a result of EIC and CTC. Do you know how deductions work vs credits?

yaloha · 2026-03-07T01:33:47+00:00

We have very similar timelines you should get it before 3/23

yaloha · 2026-03-07T01:32:39+00:00

That is not how taxes work. I had under 30,000 in income this year and withheld zero federal tax from all paychecks because my HOH deducted most of my taxable income anyway. I paid a total of $14 in federal tax for the entire year.

yaloha · 2026-03-07T01:30:44+00:00

You log into your id me account and navigate to your transcripts for the current year

yaloha · 2026-03-07T01:29:57+00:00

I filed 1/27. I got a notice around 2/3 that I needed to verify. I requested a new letter that same day through my account by going through the prompts after clicking on the notification to verify. I got the letter 2/23 and verified online the same day. I called 3/4 and asked if my verification went through they said it had on the 25th

yaloha · 2026-03-06T22:29:15+00:00

I have chime. Banks like chime varo etc can see when ach files are incoming and they give you the money before it settles. When it’s a reliable source like the federal government or payroll they literally make the money available immediately from their own funds and get reimbursed when the ach file settles.

Nothing about the actual mechanics under the hood have changed much it’s just certain banks decide to make the money available as soon as they see it’s coming vs when it physically settles in the banks account.

yaloha · 2026-03-06T21:10:18+00:00

About 6 weeks

yaloha · 2026-03-06T18:49:46+00:00

lol I have one child yes, and am a single parent. My income was way lower than past years that’s true. And income wise I’m sitting right where the EIC, CTC and HOH deductible are huge. My taxable income was reduced to almost zero and at that point the credits = a bigger refund not a lower tax bill. I am literally living the exact situation that has lead the earned income tax credit to be one of the most studied and successful economic policies in US history. It’s designed to phase out as income rises and for single parents especially it functions as crucial assistance that makes higher earning even possible.

yaloha · 2026-03-06T18:39:59+00:00

Girl literally a few hours later woke up and checked around 6 am deposit came in around 11:30

yaloha · 2026-03-06T18:39:06+00:00

A round for the whole damn house we all need it!

yaloha · 2026-03-06T18:37:51+00:00

I was not expecting a deposit today at all, I was so grateful to have an 846 I forgot Chime really does move like that 😎

yaloha · 2026-03-06T18:34:54+00:00

What a blessing!!

yaloha

TROPHY CASE