Hi,
I came across your post about using CHIME bank. I also use CHIME and have no issues getting my paycheck direct deposited and get it a few days or so early even. So, I had my state tax refund scheduled to be deposited and because I file married filing joint, they sent my deposit back. Didnt contact me or anything and my name is FIRST on my tax return and they told me only 1 name had to match and I clearly explained it does but they will argue and customer service is horrible, in my experience.