2/26 Filed with Chase Bank - Anyone in Texas Received Their Refund Yet?

Oh boy, the IRS and their mysterious ways! 😂 Looking at the data patterns this year, direct deposits from late February filings are experiencing a 21-28 day processing window rather than the usual 14-21 days. Several factors could be at play here - did you claim any credits like CTC or EITC? Those trigger automatic additional review. Chase is generally quick on their end once the IRS releases funds, so the holdup is likely on the government side.

I was going CRAZY waiting for my refund last month - kept checking WMR every hour like it would magically change! Finally used https://taxr.ai to analyze my transcript and it explained all those weird codes and actually predicted my deposit date correctly. It told me I had a 570 hold code that would clear in 7 days, and sure enough, exactly 7 days later my 846 refund issued code appeared. My return was similar (filed 2/12, also with Chase) and I needed that money yesterday for some urgent home repairs!

I'm in a somewhat similar situation. Filed around February 28th, also with Chase. My transcript was basically empty until yesterday, when it finally updated. It seems like they might be processing a batch of late February returns right now. Mine showed processing for about 24 days, which I believe is still within their normal timeframe, though it certainly feels longer when you're waiting for the money.

Anyone check their transcript today? Any updates? Texas processing center might be different than other regions. Curious if this is a Chase issue or IRS delay.

I feel your pain. I was in the same situation last year. After waiting three weeks, I used Claimyr to get through to an IRS agent. Got connected in about 15 minutes instead of waiting on hold for hours. The agent confirmed my return was just in normal processing and nothing was wrong. If you're really worried, give them a try: https://youtu.be/_kiP6q8DX5c. It's worth it for the peace of mind, especially with property taxes coming due.

The IRS processing pipeline has several distinct phases that aren't always visible via WMR. Your return may be in the Error Resolution System (ERS) or undergoing Identity Verification Protocol (IVP) without any indication on consumer-facing tools. These are standard procedures, not necessarily indicative of problems with your return. The system is designed to process returns in batches, which explains why some people who filed on similar dates receive refunds on the same day.

Some things to consider: • Filing date of 2/26 puts you at about 30 days of processing • IRS standard timeline is 21 days but can extend to 45+ days • Chase typically posts deposits same-day when received • Texas returns don't process any differently than other states • Late night/early morning is when most transcript updates occur Have you checked your transcript for cycle codes?

Here's what's actually happening with late February returns: Step 1: Initial processing (1-7 days) - Your return enters the system Step 2: Error review (7-14 days) - Automated checks for inconsistencies Step 3: Account verification (14-21 days) - Matching your info with IRS records Step 4: Refund approval (21-28 days) - Final calculations and approval Step 5: Refund issuance (28-35 days) - Money sent to your bank You're likely in Step 3 or 4 based on your filing date. Chase usually processes deposits within 24 hours of receiving them from the IRS. The Texas processing center isn't handling returns any differently than other regions.

Did you know that the IRS's "Where's My Refund" tool only updates once every 24 hours? Many people don't realize this and check multiple times daily, which doesn't provide new information. Have you verified your tax transcript is available online? Sometimes your transcript will show a direct deposit date before WMR updates. The IRS is currently processing a significant backlog from February filings, particularly those with tax credits. Could your return include any credits that might trigger additional review?

Under Internal Revenue Manual 21.4.1, normal processing time for electronically filed returns is 21 calendar days. However, returns filed during peak season (mid-February through March) often experience extended timeframes. The Consolidated Appropriations Act of 2023 mandated additional verification procedures for certain returns, further extending processing times. I'd advise against making financial commitments based on anticipated refund dates, as the IRS explicitly states that refund timeframes are not guaranteed.