Taxes 101


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1 Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. These funds are generally made available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Federal tax payment files received from the IRS may be received up to 5 days early (based on data from the 2020 tax filing season). Chime makes no guarantee over when files are sent by the IRS and funds can be made available.

2 Information from IRS’s 2022 Instructions for Schedule 8812 as of January 11, 2023: https://www.irs.gov/instructions/i1040s8

3 Information from IRS’s Earned Income and Earned Income Tax Credit (EITC) Tables as of January 11, 2023: https://www.irs.gov/credits-deductions/individuals/earned-income-tax-credit/earned-income-and-earned-income-tax-credit-eitc-tables

4 Information from IRS’s IRS Provides Tax Inflation Adjustments for Tax Year 2023 as of January 11, 2023: https://www.irs.gov/newsroom/irs-provides-tax-inflation-adjustments-for-tax-year-2023

5 Information from IRS’s 401(k) Limit Increases to $22,500 for 2023, IRA Limit Rises to $6,500 as of January 11, 2023: https://www.irs.gov/newsroom/irs-provides-tax-inflation-adjustments-for-tax-year-2023

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