Chime® Tax Software Review

Chime Tax Software Visite Site

Chime Overview

Chime is a financial technology company that allows members to file taxes through its mobile app at no cost. In order to file your taxes through Chime, you need to open a Chime checking account. Get your maximum refund guaranteed with accurate calculations****, as well as the option to receive your federal tax refund up to 6 days** early with direct deposit.

Optional Add-Ons

Chime offers mobile banking solutions, including:

• Chime Secured Credit Builder Visa® Credit Card with no annual fee or interest***** and no credit check to apply.
• High-yield savings account with no monthly fees and 2%****** Annual Percentage Yield (“APY”).

Chime is a financial technology company, not a bank. Banking services, credit, and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

How Much Does It Cost to File Through Chime?

You can file federal and state taxes for free, but in order to access the service, you need to open a Chime checking account, which doesn’t charge monthly maintenance or minimum balance fees.

How Does Filing Through Chime Work?

If you’re not a Chime member, the first step is to open a Chime checking account and download the Chime mobile app. Then, you can file your taxes directly from the app. If you filed taxes with a different service last year, you can upload last year’s form and use it to complete your tax return.

If you choose to receive your federal tax refund through direct deposit to your Chime account, it may be available to you up to six days** earlier than usual.

Filing is fully online, so it doesn’t offer in-person support or advice. It covers “just about everything” in terms of tax situations – including salary, self-employed, gig work income, unemployment income, crypto or stock sales, and itemized deductions. However, if you have a complex tax situation or prefer to receive in-person support, filing through Chime might not be the best fit for you.

Is Filing Through Chime Reliable and Safe?

Filing taxes through Chime with april or Column Tax is designed to be secure and reliable. april and Column Tax follow strict security and compliance measures to protect users’ financial data. Chime itself does not process tax filings directly but facilitates access to these trusted tax partners. Users should review the terms and security policies of april and Column Tax to ensure they meet their expectations for safety and reliability.

Help and Support

Chime offers customer support to its banking customers 24/7 by phone or chat via the mobile tapping the question mark icon at the top of your screen. Chime doesn’t provide advice or customer support for filing taxes.

Chime also has a Help Center and an FAQ section on its website to answer many common questions about its banking services, but its FAQ section about tax filing services is limited.

Chime is a financial technology company, not a bank. Banking services, credit, and debit cards provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

What About the Chime App?

Chime offers a mobile app that mirrors the features of its desktop online experience. You can file your tax return directly through the app.

Chime’s mobile app is available for iOS and Android. It has a 4.8 rating on the Apple App Store based on over 980,000 reviews and a 4.7 rating on the Google Play Store based on more than 750,000 reviews.

Bottom Line

Chime members can file for free through the app. There are no filing fees for both federal and state returns. All you need is a Chime checking account to get started. While most tax situations are covered, it doesn’t offer in-person support or premium paid plans. If you have a complex tax return, you may want to explore other options for more tailored assistance.

Chime Tax Software Visite Site

Disclosures: 

• Banking + Issuer Statement: Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank, N.A. or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. Please see the back of your Card for its issuing bank.
• Any reference to filing through Chime: (no disclosure mark) Tax e-file services provided by April Tax Solutions Inc. (“april”) or Column Tax, Inc. (“Column Tax”).

These tax filing offers are not endorsed or offered by our partners, The Bancorp Bank, N.A. or Stride Bank, N.A.

• No fees to file: *There are no fees required to use this product. Chime does not require you to deposit your refund into your Chime Account to qualify for free tax filing. Certain costs may be incurred if you decide to obtain other optional financial products offered in relation to your tax filing. The Internal Revenue Service (IRS) may impose penalties or other charges depending on your personal tax situation. If the april tax preparation software makes a mathematical error that results in your payment of a penalty and/or interest to the IRS that you would otherwise not have been required to pay, april will reimburse you up to a maximum of $10,000. See april terms for details. If interest and/or a penalty is imposed by the IRS as a result of a computational error by Column Tax, you may be entitled to up to $10,000 reimbursement by Column Tax. See Column Tax terms for details.
• Federal tax refund up to 6 days early: **Chime does not guarantee timing of refund. The six-day refund estimate is based on 2023 tax year filing data. Refund timing estimates are dependent upon timing of complete tax return submission and when the IRS submits your refund.
• Maximum refund guarantee: ***Maximum refund guarantee is provided by april or Column Tax. If you use april's service to prepare and file your return and you find an error in the tax preparation that entitles you to a larger refund (or smaller liability), you may use their service to amend that return at no additional charge. To qualify, the larger refund or smaller tax liability must not be due to differences or inaccuracies in data supplied by you, your choice not to claim a deduction or credit, positions taken on your return that are contrary to law, or changes in federal or state tax laws. See here for details. If you use Column Tax’s service, Column Tax will reimburse you for up to $250 if you are able to pay less federal or state income tax or receive a larger federal or state income tax return by using another tax return preparation provider. Eligibility requirements apply. See terms for details.
• Accuracy guarantee: ****If the april tax preparation software makes a mathematical error that results in your payment of a penalty and/or interest to the IRS that you would otherwise not have been required to pay, april will reimburse you up to a maximum of $10,000. See april terms for details.

If interest and/or a penalty is imposed by the IRS as a result of a computational error by Column Tax, you may be entitled to up to $10,000 reimbursement by Column Tax. See Column Tax terms for details.

• No Interest: *****Out-of-network ATM withdrawal and OTC advance fees may apply. View The Bancorp agreement or Stride agreement for details; see back of card for issuer.
• APY: ******The Annual Percentage Yield (“APY”) is variable and may change at any time. The disclosed APY is accurate as of <date w/in 3 months>. No minimum balance required. Must have $0.01 in savings to earn interest.