Be very careful with the PATH message! Last year I ignored it for weeks thinking it was just normal processing. Turns out my return had an error code that required attention, but the generic PATH message was hiding the real issue. I ended up having to: 1. Call the IRS (took 3 days to get through) 2. Verify my identity again 3. Submit additional documentation 4. Wait another 9 weeks for processing Check your transcript for TC 570 codes - don't just assume it's normal processing!

Just got my refund yesterday after being stuck on PATH message since January 28th! Here's what happened: • Filed Jan 28 with EITC • PATH message appeared immediately • No transcript updates until Feb 29 • Transcript showed TC 150 (return filed) • March 7 - TC 768 (EIC credit) • March 8 - TC 846 (refund issued) • March 12 - Money in my account The PATH message on WMR never changed until AFTER the deposit hit my account. System is definitely delayed this year.

IRS refunds follow ACH processing rules. Not specific days. Banks process differently. Credit unions often faster. Big banks sometimes hold funds. Online banks sometimes pre-release. Transcript code 846 is key. Date on transcript is send date. Add 1-3 days for bank processing. No official schedule exists. Many report Wed/Fri pattern. Not guaranteed.

Tbh the WMR tool is notoriously unreliable during peak season. Instead of checking your bank acct constantly, try getting your transcript from the IRS website and look for the 846 code. That's the actual refund issued date and it's way more accurate than WMR. Or if you have informed delivery from USPS, watch for a letter from the Treasury - sometimes they send a notice right when they issue the refund.

Mine was supposed to hit today too with Credit Karma. Nothing yet. Wasn't it just last month when people were complaining about the same issue with Credit Karma deposits? I remember seeing multiple threads about delayed deposits even though transcripts showed the correct date. Is this becoming a pattern with them? I've used them for banking for 2 years and tax refunds always seem to be the one thing that's consistently delayed.

According to IRS Publication 2043, the IRS issues refunds to financial institutions, but the timing of when those funds are made available to taxpayers is determined by the financial institution's policies. Credit Karma, as a newer banking service, may have different processing timeframes than traditional banks. The standard processing time allowed under Regulation CC permits banks up to one business day to make electronic deposits available.

OH MY GOODNESS I'm so happy your refund finally showed up!!! 🎉 I always recommend people prepare for this exact scenario by understanding the full ACH process. The Treasury Financial Manual (I-TFM 4-2000) outlines the entire process which takes approximately 24-48 hours from DDD to actual availability. I keep a detailed spreadsheet tracking my refunds every year with timestamps for each status change. The IRS typically initiates the ACH at midnight on the DDD, then it goes through the Federal Reserve's ACH system, then to your bank's receiving department, then through their fraud verification, and finally to your account. Each step can take hours! Next year, expect this same pattern and you'll save yourself the anxiety!

Congrats on getting ur $$$! This happens ALL THE TIME tbh. Banks are weird w/ govt deposits. My CU has a note on their website that says IRS deposits usually post by 3pm on the DDD but customer svc reps can't see them in the system til they actually post. Super annoying but normal. Btw if anyone's still waiting, check if ur bank has a special govt deposit schedule - mine actually posts them earlier than regular ACH transfers!

The IRS Taxpayer Advocate Service can also help if you filed on January 23rd and it's now April 11th - that's 78 days which exceeds their normal processing timeline. Call them at 877-777-4778 if you're facing financial hardship due to your delayed refund. Their office opens at 7:00 AM local time, and they typically have shorter wait times than the main IRS line.

I was in your exact situation. Filed Jan 25th. Called the Practitioner Priority Line at 866-860-4259 and told them I was calling on behalf of a client (me). Got through in 15 minutes. Agent explained my return was flagged for income verification. Got my deposit 8 days later. Sometimes you need to be creative.

Have you checked if you have any outstanding tax issues from previous years? Sometimes the IRS will hold current refunds if there are unresolved issues from past returns. Since you mentioned not receiving last year's refund either, there might be a connection between the two years. Also, did you claim any tax credits this year like the Earned Income Credit or Child Tax Credit? Those automatically trigger additional processing time under the PATH Act.

I track tax processing times pretty carefully, and this year has been particularly slow. As of March 15, 2024, the IRS reported that about 22% of returns filed before February 22nd were still in processing, which is higher than normal. If you filed on February 18th and it was accepted on the 21st, you're right at that cutoff date where delays are more common. The TurboTax early deposit feature is misleading - they can only advance your refund after the IRS has approved it and provided a direct deposit date. Since the IRS hasn't processed it yet, TurboTax can't give you any tracking. I'd recommend waiting until at least April 3rd (45 days from filing) before taking more aggressive action.

I always avoid using tax prep services that route refunds through third parties like SBTPG. According to https://www.consumerfinance.gov/about-us/blog/tax-refund-tips/, you can request direct deposit straight from IRS to your bank account. This bypasses those middlemen completely. Saves fees and eliminates these delays. For this year, you'll just need to wait it out, but consider changing your approach next tax season to save money and headaches.

My Refund Advance Loan through Credit Karma had the same ACH transfer delay! The Refund Status indicator showed "Completed" on SBTPG's portal but took exactly 36 hours to appear in my Credit Karma Money account. The Technical Support representative explained it's due to their batch processing schedule. Has anyone received their deposit yet? I'm anxiously monitoring mine for verification that this timeframe is standard protocol.

My refund check with DDD of April 7th arrived precisely on April 13th, which aligns with the standard Treasury disbursement protocol. The USPS Informed Delivery notification appeared 24 hours prior to physical delivery. Ensure you're monitoring your Transcript for TC 846 code with the paper check indicator rather than the direct deposit code. The check will arrive in a standard Treasury envelope with the distinctive Treasury watermark and security features.

Paper checks are like the tax version of snail mail in a digital world. While direct deposit folks are already spending their money, we're still checking mailboxes! But remember, this happens every year and most checks arrive within a week of the mail date. Just like when you're expecting an important package, it seems to take forever but eventually shows up. Hang in there - and for those with medical expenses waiting, I truly hope your checks arrive promptly!

It seems, perhaps, that there might be a pattern emerging with Woodforest Bank specifically this tax season. From what I've gathered in various forums, approximately 60-70% of Woodforest customers are experiencing a 24-48 hour delay between IRS deposit notification and funds availability. This is somewhat surprising given that most major banks have been processing these deposits more quickly this year compared to previous tax seasons. The community consensus appears to be that waiting 2-3 business days after receiving the email notification is, unfortunately, normal for Woodforest specifically.

I was in EXACTLY this situation with Woodforest on my Tax Year 2023 refund. The IRS Refund Status portal showed "sent" but nothing in my account. Called the specialized direct deposit verification line at the IRS (different from the general helpline) and they confirmed the ACH transfer had been successfully transmitted to Woodforest's routing number. When I provided this information to Woodforest's customer service, they "discovered" my deposit was in their verification queue. Magically appeared in my account 4 hours after that call. Sometimes you need to push both ends of the transaction to get results.

I was confused about my BoA deposit timing too, so I took these steps to figure it out: 1. First, I pulled my tax transcript to confirm my actual DDD 2. Then I realized the transcript has all these cryptic codes that I couldn't understand 3. I found this tool called taxr.ai that explained all my transcript codes 4. It showed me exactly what my 846 code meant and when to expect my deposit The tool was surprisingly helpful - it explained that the DDD on my transcript is when the IRS releases funds, not necessarily when BoA posts it. Apparently, there's a whole processing system between the IRS and banks that I had no idea about!

Has anyone noticed if having an amended return affects the deposit timing? My situation feels like waiting for a bus that might never come - you know it's supposed to arrive at a certain time, but there's always that fear it might just skip your stop entirely. My DDD is also May 25th, but with my amended return, I'm wondering if BoA treats these differently from regular refunds?