Have you checked if Dave has any specific holds on tax refunds? Some digital banks place extended holds on government disbursements specifically - it's in their Terms of Service but buried deep. My bank had a 2-day "security verification period" for any deposit over $2,000 from government sources. Can you log into your Dave account and check for any pending transactions or contact their escalation team specifically?

I would probably contact Dave again, but specifically ask to speak with their ACH department or a supervisor. Sometimes the frontline customer service representatives don't have visibility into pending transactions that haven't fully posted yet. In my experience, using the phrase "I need to speak with someone who can verify pending ACH transfers that might not be visible in the system yet" can get you to someone more helpful. If that doesn't work within 24 hours, you might need to consider filing a CFPB complaint, which often prompts faster action from financial institutions.

This situation with Pathward is like having someone hold your mail even though it's already been delivered to your mailbox. Technically, they're within their rights as a financial institution to hold deposits until the effective date, but it creates unnecessary anxiety for customers. I've analyzed several banking policies, and this practice is becoming less common as banks compete for customers. If you think about it, when Pathward holds these funds, they're essentially getting a short-term, interest-free loan from your money. I'd recommend documenting exactly when they received your deposit versus when they released it - if there's a pattern of excessive holds, you might have grounds for a complaint to the CFPB.

To clarify some technical aspects of what's happening: When the IRS initiates an ACH transfer (Automated Clearing House), they include what's called an "effective entry date" in the transaction data. This is essentially an instruction to the receiving financial institution about when to post the funds to your account. While some banks choose to make funds available upon receipt rather than waiting for the effective date (especially credit unions and online banks), others like Pathward strictly adhere to this date. This practice is compliant with NACHA (National Automated Clearing House Association) rules, though consumer-friendly institutions often provide earlier availability as a customer benefit. The IRS generally sends these ACH transfers 1-2 business days before the intended deposit date to ensure timely processing.

Based on the current processing times, amended returns are taking approximately 20 weeks (140 days) to process. You filed in June 2024, so you're at about 18-19 weeks now. You're very close to the expected completion timeframe. For reference, I filed an amended return on March 3rd and received processing confirmation on August 12th - exactly 162 days later. Your 2023 amended return should be completed before the 2024 filing season opens on January 23, 2025, so there shouldn't be any timing conflicts.

Omg I'm going through EXACTLY this right now and it's so frustrating! 😫 I think you should consider filing your 2024 taxes electronically as early as possible when the season opens. This way if there are any complications, you'll have more time to resolve them before the deadline. I've learned that paper-filed or amended returns create so many more headaches than e-filed returns. The electronic system processes much faster and has fewer errors. I'm DEFINITELY e-filing everything from now on after my amended return nightmare!

Am I the only one who thinks these cycle codes are completely meaningless? I've had 0805 three years in a row and had totally different experiences each time: • 2022: Refund in 14 days • 2023: Refund in 35 days • 2024: Still waiting after 27 days Seems like the IRS just assigns these randomly and they don't actually tell you anything useful about when you'll get paid.

The cycle codes are actually quite predictable once you understand the IRS processing system. Isn't it interesting how the last two digits (05) indicate weekly processing that happens on Thursdays? And didn't you notice that the first two digits indicate which processing week of the year your return was assigned to? For 0805, that's the 8th week. The real question isn't whether the cycle code means anything, but rather why some returns within the same cycle get processed faster than others. The answer typically lies in the complexity of the return and which regional processing center handles it.

I think... I might have some information that could help. I'm not sure if this applies to everyone, but I noticed that my SoFi account sometimes shows deposits in the "Activity" section before they appear in my available balance. If you go to the Transactions tab, then filter by "Pending" transactions, you might see your refund there first. Also, I believe the IRS sends refunds in batches throughout the day, so even though your DDD is 2/24, the actual transmission might occur at different times during that 24-hour period. The technical term for this is the "FRB processing window" which determines when the Federal Reserve Bank processes the ACH transaction.

Success story here! Same situation with SoFi and a 2/24 DDD from last year. Here's what happened: • Filed on February 3rd • Got accepted same day • WMR showed first bar for 2 weeks • Transcript updated with 846 code and 2/24 DDD (Saturday) • Money appeared in SoFi at 4:32am on MONDAY • No pending transaction notification beforehand SoFi doesn't do early deposits like some other online banks, but they're reliable on the actual date or next business day. My experience has been consistent over 3 years with them. Just wanted to share so you know what to expect!

Has anyone actually received their refund BEFORE the DDD when using SBTPG? Last year my funds hit exactly on my DDD date, not a day sooner, despite seeing the IRS had released it earlier. I've experienced much faster processing with direct deposit to my own bank in previous years, but the convenience of having fees taken out of the refund got me this time.

I'm literally checking my bank account every hour!! 😫 This is so frustrating! My transcript shows the IRS sent it TWO DAYS AGO but SBTPG still says "pending" with no estimated deposit time. I'm so anxious because I have bills due tomorrow and was counting on this money. I don't trust these tax prep companies anymore - they're just using our refunds like interest-free loans for a few days! 😤

According to my records from the past 3 filing seasons, Pathward has deposited funds exactly 22-24 hours before the official DDD in 100% of cases. For a DDD of 3/15, you should see funds in your account between 9:00am-11:00am on 3/14 based on their standard processing window. They receive the funds from IRS approximately 36 hours before DDD, hold for their processing period of 12-14 hours, then release during their morning batch window which runs from 7:00am-11:00am Eastern time.

I'm supposed to get my refund soon too... Have you ever had them deposit earlier than the day before? I've heard some people saying they occasionally get it two days before, but I'm not sure if that's actually true or just wishful thinking.

Tbh I think SBTG is just terrible. Been using them for 2 yrs and still have probs every qtr. IMO they're just collecting interest on our $ before sending it to IRS. Wouldn't be surprised if they intentionally delay access until they've moved the funds. Govt should really look into these payment processors.

The login restriction is actually part of SBTG's fraud prevention protocol. Their Automated Clearing House (ACH) verification process requires full settlement of funds before enabling account access, which typically takes 2-4 business days depending on your financial institution. This isn't unique to SBTG - most tax payment processors implement similar security measures to prevent fraudulent transactions and payment reversals. The system isn't broken; it's operating as designed with security prioritized over convenience.

Let me clarify what the SBTPG trace number actually means: 1. First, the IRS approves your refund and assigns a DDD 2. Then, they notify SBTPG that funds will be sent on that date 3. SBTPG creates a trace number in their system to track your refund 4. On your DDD, the IRS sends the funds to SBTPG 5. SBTPG deducts fees, then forwards remaining amount to your bank 6. Your bank processes the deposit according to their schedule The trace number doesn't mean SBTPG has your money yet - just that they're expecting it on your DDD.

You're in the home stretch! When SBTPG shows a trace number, you're basically just waiting for the calendar to hit your DDD. One thing to watch for - make sure your SBTPG account shows the correct bank info. There's always those horror stories about refunds going to old closed accounts. I'd check that now while you're waiting!

It sounds like you're experiencing the classic "right hand doesn't know what the left hand is doing" situation with the IRS systems. Think of WMR as the quick news reporter and transcripts as the thorough historian - one reports immediately while the other takes time to document everything properly. For amended returns specifically, the processing path is different from regular returns, which explains the disconnect you're seeing.

Last year I had a similar situation that drove me crazy. My WMR showed completed but my transcript wasn't updated for almost two weeks. I called the IRS and they explained that amended returns go through a separate processing system. The WMR tool gets updated from one database while transcripts pull from another. In my case, the money actually arrived in my account even before the transcript updated! Just keep an eye on your bank account - you might be pleasantly surprised.