Chime advertises up to 5 days early for tax refund deposits. However, each year I have had to wait until the day of to get my deposit. I have also never been able to do a check deposit with them and they do not allow me to sign up for a credit builder when I know my credit is good enough for this. Their customer service can never help or provide a proper answer for any of the issues I have with them. The only thing that they are good at is any fraud issues.