How to Call Cross River Bank About IRS Refund Delays (5-7 Day Holds) - Direct Phone Number & What to Expect

Been dealing with Cross River Bank for my refund deposit and getting nowhere. After hours of research, I found out that they're having major processing delays with IRS deposits. Multiple people reporting 5-7 day holds instead of the usual 24-48 hours. Just wanted to share this info since I know lots of us are waiting. I finally found a way to contact them directly about my refund. You can call Cross River Bank (CRB) yourself at 877-552-7255. Press 1 for "All Other ACH Deposits" and then ask: "Can you confirm if you have my tax refund from the IRS, and when will it be sent to my personal bank?" IF YOU GET PUSH BACK, I pushed back and exercised my right to confirm where my federal refund was sent. The IRS is required to provide that information, and they told me directly that my refund was sent to Cross River Bank. Once I had that info, CRB confirmed they received it and gave me the expected timeline (1-3 business days). If they try to refuse, just insist that the IRS already provided the routing number, and you just need to confirm processing. What to Expect: - If CRB releases the money today, it could hit your bank by tomorrow (1/31). - If they take the full processing time, expect it by Saturday (2/1) or Tuesday (2/4). - Check your bank account daily-ACH transfers usually post overnight. Your money isn't lost, it's just processing. Hope this helps anyone else stuck in this frustrating situation!

My transcript updated last night. There is a 766 code but not an 846 number.  The transcript shows an amount with a minus sign, but the amount doesn't match what I filed. It looks like my education credit hasn't been added yet... So my question is, can your final refund amount change if the 846 code hasn't posted yet?

IRS Transcript Shows Code 570 "Action Pending" with $0.00 Amounts for Credits and EIC - What's Causing My Refund Delay?

I just checked my 2024 tax transcript and noticed something concerning. My account has a 507 code that I've never seen in previous years. Looking at the details, my tax return was filed (code 150) with a processing date of Feb 24, 2025 and shows a cycle number of 20250605. Here's what I'm seeing on my transcript: RETURN DUE DATE OR RETURN RECEIVED DATE (WHICHEVER IS LATER) Apr. 15, 2025 PROCESSING DATE Feb. 24, 2025 TRANSACTIONS CODE EXPLANATION OF TRANSACTION CYCLE DATE AMOUNT 150 Tax return filed 20250605 02-24-2025 $0.00 70211-428-41669-5 806 W-2 or 1099 withholding 04-15-2025 766 Credit to your account 04-15-2025 768 Earned income credit 04-15-2025 570 Additional account action pending 03-03-2025 $0.00 This Product Contains Sensitive Taxpayer Data There's code 570 showing "Additional account action pending" with a date of March 3, 2025. The transcript shows pending W-2/1099 withholding (code 806), credits (code 766), and earned income credit (code 768) all dated for April 16, 2025. Has anyone dealt with these codes before, especially the 570 with pending account action? I'm worried about what this means for my refund timeline since I've got multiple credits pending including EIC. What's strange is all these amounts are showing $0.00 where there should be values. I filed with W-2 withholding and claimed earned income credit, but the transcript isn't showing any dollar amounts for these entries. Is this normal to see all these codes with $0.00 amounts? I'm especially concerned about what the "Additional account action pending" means and why it has a date of March 3, 2025, which is before the April 15 date shown for the credits. My cycle number is 20250605 if that helps with interpreting what's happening. Anyone know what this combination of codes and dates typically indicates for refund processing? Will I still get my refund on time?

Exact IRS (1-800-829-1040) and Cross River Bank (877-552-7255) Phone Menu Steps to Track Your Tax Refund Status

For anyone who filed early with TurboTax, I've found some really helpful shortcuts to track your refund and deal with Cross River Bank (CRB)! Trouble getting a real person from the IRS? Call 1-800-829-1040 Press 1, then 2, then 1, then 3 and finally 2. Here, an automated person will come on and ask what you need help with. Say "direct deposit verification." It will ask you "do you need to speak to an agent about this?" Say yes and then it transfers you. How to Call Cross River Bank (CRB) Yourself: 877-552-7255 Press "All Other ACH Deposits" Ask: "Can you confirm if you have my tax refund from the IRS, and when will it be sent to my personal bank?" IF YOU GET PUSH BACK, I pushed back and exercised my right to confirm where my federal refund was sent. The IRS is required to provide that information, and they told me directly that my refund was sent to Cross River Bank. Once I had that info, CRB confirmed they received it and gave me the expected timeline (1-3 business days). If they try to refuse, just insist that the IRS already provided the routing number, and you just need to confirm processing. What to Expect: If CRB releases the money today, it could hit your bank by tomorrow (1/30). If they take the full processing time, expect it by Friday (1/31) or Monday (2/3). Check your bank account daily—ACH transfers usually post overnight. Your money isn't lost, it's just processing through their system. These shortcuts have worked for getting actual humans on the phone instead of dealing with robots all day! Hope this helps!

How Long Does It Take IRS to Process Amended Returns?

Hey tax fam! 😤 I'm SO frustrated with how slow this process is! I had to file an amended return to correct some military spouse income that wasn't properly coded on our original filing. I'm wondering if anyone knows how long it typically takes for the IRS to receive and process an amended return? I've been waiting for what feels like FOREVER and I'm starting to get really worried! As a military family, we NEED this sorted out before our next PCS move. I know my rights as a taxpayer and I deserve clear information! Thanks in advance for any help! 💙

Do Amended Returns Really Take Longer to Process? Tips from a 3-time Amender

Hey tax people! I'm working on my taxes for this year and realized I need to file an amended return for 2023 (forgot about a small freelance gig). I've heard that amended returns take way longer to process than regular returns, but I'm wondering if that's actually true or just an IRS myth? I've amended twice before (once in 2021 and once in 2022) but honestly can't remember how long they took compared to my regular returns. Anyone have recent experience with this? How much longer should I expect to wait? And does filing electronically vs. paper make a difference for amended returns? Also, will amending affect my 2024 return that I'm about to file? Should I wait to file my regular 2024 return until after the amendment is processed?

Oklahoma State Tax Refund Delays 2025 - Anyone Get Theirs Yet?

Been waiting on my Oklahoma state refund for 3 weeks now. Status just says processing. Anyone else from OK get theirs yet? Filed early February with direct deposit.

IRS Message: "Return Closed" After My Response - No Explanation About Refund Status (02/16/2025)

Got this message from IRS on 02/17/2025 at 8:59 PM through their Secure Message Center and im really confused. Here's exactly what it said: "Greetings, We have received your response in the above referenced case, and we have closed the return. You do not need to respond to this message. Thank you, Input Correction ERS/Rejects" But I still havent gotten my refund. Does this mean im not getting my money or what? This message got me stressed cause I dont understand if closing the return is good or bad. The message came directly from their "Secure Message Center" late at night (8:59 PM) which seems weird timing. And why is it signed by something called "Input Correction ERS/Rejects"? What does that even mean? Is that a department or something? When I check the message on my phone it shows "9:12" at the top, and there's a "Reply" button at the bottom but they literally said "You do not need to respond to this message." So should I reply or not? The whole thing is super confusing. I've been waiting on my refund and thought I was making progress when they said they "received my response" but now I'm worried that "closed the return" means they've denied me or something. Can someone help me understand what's going on fr. Why would they close it and then not explain what happens with my refund?

60 Day Review Letter - Has Anyone Actually Gotten Their Refund?

Got that lovely 60 day review letter in the mail last month and still nothing. Starting to feel like im never gonna see my refund. Has anyone who got this letter actually received their money yet? Starting to get worried since I really need this money.

DDD is Today - How Long for CHIME Bank to Deposit Refund?

I'm trying to understand the exact timing between pending status and actual deposit. My direct deposit date is scheduled for today, and I bank with CHIME. Does anyone know approximately how many hours it typically takes for funds to appear after the status changes from pending to refund sent? I'm tracking this carefully for budgeting purposes.