Does turbo tax direct deposit to chime accounts??

TurboTax does not deposit money to anyone's account.   The IRS or the state makes the deposit when they issue your refund.  TurboTax never touches your refund.    If you use the third party bank to pay your TT fees from your refund then your deposit comes from that bank.   As for a chime account....you can have your refund deposited to an account that has a routing number and an account number.  Make very sure to enter both of those numbers correctly.

"What's the longest wait time?"

The longest wait time for your refund?   Some people get their refund pretty quickly-- in a week or two.   Others have been waiting since January.   Your wait time is not determined by what kind of account you are having your refund sent to.