Waited 31 days for transcript last yr. Nothing showed up. Called IRS multiple times. No luck. Turns out my SSN was entered wrong by tax preparer (one digit off). Big mess to fix. Had to submit ID verify docs. Refund delayed 3+ months. Triple check ur info before submitting! Even small errors can cause major delays w/ transcript availability.

Have you checked both Account Transcript and Return Transcript? Sometimes one appears before the other. What about checking transcript for prior years - are those available? Could be an account access issue rather than processing delay. Did you receive an acceptance confirmation from your software after filing? What's your current WMR status?

I filed exactly on 2/15 as well. Here's what happened with my timeline: 1. Filed 2/15/24 via TurboTax 2. Return accepted 2/15/24 3. WMR showed first bar only until 3/11/24 4. Transcript updated 3/12/24 with codes 150, 806, 766, 768, 570 5. Transcript updated 3/15/24 with 571 and 846 (refund date 3/20/24) 6. WMR updated to approved 3/16/24 The 570 was a temporary hold while they verified something (no letter was ever sent). Total processing time: 33 days from filing to refund date.

I may have some insight that could help... I filed on 2/14 and was in processing limbo until last week. My transcript finally updated with codes 150 and 846. From what I understand, returns filed around mid-February might be experiencing slightly longer processing times due to the high volume of early season filers. It's possible your return is simply in queue and there's nothing wrong with it. I would suggest waiting another week before taking any action, as many 2/15 filers are just now seeing movement in the system.

Just wanted to share a win - I was in this exact situation last week with Chime and my 4/17 DDD. According to the IRS2Go app and my transcript on irs.gov, everything was set for 4/17, but nothing was showing up early. I finally got my deposit exactly on 4/17. Based on what I've researched on r/tax and the Taxpayer Advocate site, the IRS has been very precise with release dates this year compared to previous years.

Just to clarify something important - the 'up to 5 days early' isn't actually an IRS feature, it's your bank deciding to front you the money before they actually receive it from the Treasury. The IRS doesn't care when your bank makes funds available to you. They just schedule the transfer for your official DDD, and it's up to your bank whether they want to give you access before they actually receive it.

I think I've figured out what's happening with the BoA DDD issue. There appears to be a processing lag specifically for amended return refunds (1040-X) in the ACH system. My deposit just hit at 5:12pm today despite having a DDD of today. The transaction details showed a processing timestamp of 2:47pm from the Treasury. This is consistent with the FMS (Financial Management Service) processing schedule for secondary distribution batches. Regular returns seem to process in the morning batch while amended ones are in the afternoon batch. Check your account between 5-7pm.

Here's what you need to know about DDD timing with Bank of America: • Bank of America typically processes IRS deposits in 3-4 batches throughout the day • First batch: 3-5am Eastern • Second batch: 10am-12pm Eastern • Third batch: 2-5pm Eastern • Final batch: 7-9pm Eastern For amended returns specifically: • They often process in later batches (afternoon/evening) • The IRS flags them differently in the ACH system • Some BoA branches show pending deposits, others don't • Online banking sometimes updates before the mobile app I'd recommend checking again after 5pm. If nothing by tomorrow morning, then call the IRS.

Here's how SBTPG typically processes refunds: 1. IRS deposits your refund to SBTPG 2. SBTPG verifies the deposit matches expected amount 3. They deduct any authorized fees (tax prep, advances, etc.) 4. They initiate transfer to your personal account 5. Your bank processes the incoming transfer Each step can take 24-48 hours, with steps 1-3 happening on SBTPG's side. The entire process typically takes 2-5 business days from when the IRS releases your refund.

Waiting for SBTPG is like watching paint dry while someone keeps adding more wet paint! Does anyone know if calling right when they open is better than mid-day? I've heard their hold times are ridiculous no matter when you call.

I believe there may be some confusion between different types of refund processes. What you're describing sounds like standard Treasury check issuance, not a preparer-held refund. If your tax professional prepared your return with a bank product like a Refund Transfer, you might see different status indicators. However, actual Treasury-issued refund checks cannot be picked up from preparers under any circumstances. They're mailed directly from federal facilities to taxpayers. This is a security measure to prevent fraud and ensure proper delivery of federal payments.

Had this happen. Got confused too. Called my preparer. They explained it's not their check. It's from Treasury. Mail date means mail date. No early pickup. Mine took 6 days after mail date. Was driving me crazy. Needed it for rent. Next year doing direct deposit. Much faster. Hope yours comes quickly.

Tbh I don't trust ANY of these codes anymore. Had 826 last yr and still waited another 6 wks for my $$$. IRS systems are a mess rn and nobody can give you a straight answer. Even the agents don't know half the time. Wouldn't count on that money until it hits ur acct fr.

It seems like you might be getting some mixed messages here, but I believe I can perhaps clarify. Code 826 is generally a positive sign - it typically means the IRS is calculating interest on your refund, which usually indicates your refund is in the final stages of processing. While there are sometimes additional delays, in most cases you'll probably see your refund within 1-2 weeks after this code appears. The system isn't perfect, but this particular code is usually good news.

I've worked with tax clients for years, and I can share that this tax season has been particularly slow for processing. I personally filed on January 29th and didn't get my direct deposit until February 20th - and that was with a very simple return! Last year, I had several clients who used the TurboTax + Chime combo. The average wait was 17 days from acceptance to deposit, despite the "5-day early" marketing. One client even called TurboTax customer service about it, and they explained that the 5-day early promise is compared to traditional banks, not compared to the IRS processing timeline. The IRS has been dealing with staffing issues and system updates this season, so everything is taking longer than usual.

Think of the tax refund process like waiting for a package. TurboTax is just the service that helps you place the order (your tax return). The IRS is the warehouse that has to process your order, pack it up (process your return), and ship it (issue your refund). Chime is just the delivery person who brings it to your door. No matter how fast your delivery person is, they can't deliver a package that hasn't shipped from the warehouse yet! Instead of constantly checking WMR, I recommend creating an account on the IRS website to view your tax transcript. It's like having access to the warehouse's internal tracking system instead of just the generic "out for delivery" status. The transcript will show specific codes that tell you exactly where your return is in the process.

Spent THREE HOURS on hold with the IRS last month for the exact same issue. You know what's frustrating? They told me the 570 code was just because they were verifying my W-2 information with my employer. Nothing wrong with my return at all! But couldn't they just tell us that instead of making us panic? Wouldn't a simple notification save everyone time and stress? My hold was released after 16 days without me doing anything, and I got my refund 8 days later. The system is broken, but your money will probably come through eventually.

Here's how to navigate the IRS phone system effectively: 1. Call 800-829-1040 (as mentioned above) 2. When prompted, select option 2 for "personal income tax" 3. Then select option 1 for "tax questions" 4. Then option 3 for "all other questions" 5. When asked for SSN, DO NOT ENTER ANYTHING 6. When prompted again, select option 2 for "personal or individual tax questions" 7. Finally, select option 4 for "all other inquiries" This bypasses some of the automated systems and gets you to a representative faster. Best times to call are early morning (right when they open) or mid-week. Avoid Mondays and Fridays when call volume is highest.

Fwiw I've had this happen 3x now with TT. Their fine print says "up to 5 days early" which basically means they can give it whenever they want before the official date. Last yr they got my $$ on Tues but didn't release until Fri. Called 2x and got nowhere. This yr I skipped the "advance" option and got my refund direct deposit from IRS in 8 days total. No fees, no waiting on some random bank to decide when I get MY money. IMO these services are just taking advantage of ppl who need $ asap.

I successfully resolved this exact issue last month by using specific terminology with the bank. When I called Republic Bank (TurboTax's partner), I specifically asked about their "Regulation CC compliance" and mentioned that I was documenting the call for a potential CFPB complaint regarding fund availability timelines. The representative immediately transferred me to a supervisor who processed my refund release within the hour. Financial institutions have discretion on fund holds, but they're extremely sensitive to regulatory compliance inquiries. Be polite but firm - ask specifically what "verification process" is still pending if they've already withdrawn their fees.