I might be able to offer some insight... My refund followed almost exactly your pattern, but I was a bit concerned when I noticed a one-day delay between when SBTPG received the funds and when they released them. I reached out to my tax preparer, and they explained that there's an additional verification step that happens at SBTPG that wasn't necessary in previous years. This is apparently due to some new anti-fraud measures.

I call this the "tax refund dance" - one step forward, two steps back, spin around, and pray your money appears! 🕺💰 But seriously, your timeline is textbook for this season. I filed 1/18, accepted 1/19, SBTPG got it 2/19, and it hit my account 2/21. The SBTPG holding period is actually for verification of the refund against potential offsets - they're making sure the Treasury doesn't pull back the funds before releasing them to you. It's annoying but better than getting the money and then having it yanked back later!

This happens almost every year with prepaid cards during peak refund season. The IRS typically releases funds in batches, and financial institutions process them according to their own schedules. Most MoneyCard users should see deposits appear within 24 hours of the official date. If you don't see anything by Thursday morning, then there might be an actual issue worth investigating.

FYI - WMT cards usually post tax refunds overnight between 12-3am. Had same issue last yr w/ my DDD. Nothing all day, then boom - $ there next AM. Their system runs batch processing overnight. Cust svc won't see pending deposits til they clear. Dw too much yet - give it til tmrw AM before panicking. If nothing by noon tmrw, def call the # on back of card.

Be careful about assuming it's just a normal delay. I had a similar situation last year where my 846 code showed but no deposit came. Turned out there was an offset I didn't know about - the Treasury took part of my refund for an old student loan. You might want to call the TOP (Treasury Offset Program) at 800-304-3107 to make sure this isn't happening to you, especially if the delay continues beyond tomorrow.

Last year I was in exactly this situation with Credit Karma. Had an 846 code for March 22nd, but nothing showed up until March 24th. What was weird is that when it finally appeared, the transaction was backdated to the 22nd even though I'd been checking multiple times a day and it definitely wasn't there before! So don't be surprised if when yours does show up, it looks like it's been there since the 26th. Credit Karma has some quirky ways of displaying deposits sometimes.

My verification took only 5 days to show up on my transcript, compared to my sister's which took nearly 3 weeks. It's like how some people get through TSA PreCheck in minutes while others wait in line forever with the same status. The difference? I verified at a major IRS office in a metropolitan area, while she verified at a smaller satellite office. The larger offices seem to have direct connections to the main processing centers, while smaller offices might batch-send verifications. Either way, you're still way ahead of the people who had to verify by mail - those poor souls are waiting 6-8 weeks for updates.

I had a cycle code of 20241705 appear exactly 8 days after my in-person ID verification. Look specifically for Transaction Code 971 followed by 571 on your Account Transcript - these indicate verification processing. The 971 code means they sent you a verification notice (which you already addressed by going in person), and the 571 code means that issue is now resolved. Once those appear, you're typically 5-10 days from seeing an 846 Refund Issued code with your direct deposit date.

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.

I'm concerned about the pattern I'm seeing with Spruce accounts this year. There's definitely a systematic delay happening. When I had this issue, I spent hours trying to reach someone at the IRS who could tell me if they had actually sent the money or if it was stuck somewhere. Finally used Claimyr (https://claimyr.com) to get through to an agent in about 20 minutes. They confirmed the money had been sent to H&R Block/Spruce on the date shown on my transcript, which gave me leverage when calling H&R Block. Might be worth the fee if you're worried about where your money is.

Have you tried checking your refund status through the H&R Block mobile app instead of calling? I found their app actually shows more detailed information about Spruce deposits than their website does. According to the H&R Block subreddit and their community forums (https://community.hrblock.com/), there's a specific section under "Refund Status" that shows if they've received the funds from IRS and when they expect to release them to your Spruce account. This saved me a lot of stress when I was in your situation last month!

Based on community reports this season, Five Star Credit Union typically posts IRS deposits between 7-10 AM on the scheduled DDD. However, if there's any discrepancy between the name on your tax return and your banking information, this could cause a delay or rejection. Have you confirmed that your name on the account matches exactly how it appears on your tax return? Post-divorce name changes can sometimes cause these issues.

Last year I had Five Star and my refund was supposed to hit on a Thursday. I kept checking all day - nothing. Called them Friday morning and they said they could see the pending deposit but their system had flagged it for "unusual activity" because it was larger than my normal deposits. Had to go to a branch with ID to get it released! Not saying that's happening to you, but if it doesn't show up by the day after your DDD, definitely call them directly.

Did anyone have their return accepted but then have it disappear completely from WMR? Mine was accepted on 2/23 and showed the first bar for about a week, then suddenly nothing - just says "We cannot provide any information about your refund." Really freaking out!

OMG I FEEL THIS SO MUCH! 😩 I was in the exact same boat last year and was pulling my hair out checking WMR every morning. What finally worked for me was checking my transcript instead of relying on WMR. The transcript updated a full week before WMR did! I got my refund exactly 28 days after filing even though WMR never showed more than one bar until after the money was already in my account. Hang in there - the system is frustrating but it does work eventually! 💪

You might possibly want to consider calling the IRS directly at 1-800-829-1040, though wait times can be rather lengthy this time of year. In my somewhat limited experience, they can usually give you a more specific timeframe based on your particular situation. Alternatively, you could perhaps check your tax transcript online, which might show a code 846 with a date - that would likely indicate when your check will be mailed.

The standard timeframe is 4-6 weeks from the date of rejection. Make sure your current mailing address is correct with the IRS. If you've moved since filing, fill out Form 8822 immediately to update your address. The check will be mailed to whatever address they have on file. Also, check your tax transcript online - look for TC 846 with a future date, which is when your check will be issued. Call the IRS if it's been more than 6 weeks with no check.

SBTPG is like the invisible middleman of tax refunds - you know they're there, but you can't see them working. I've been filing taxes for 15 years, and here's what I've learned: if you chose to have your preparation fees taken from your refund, you're essentially taking out a high-interest short-term loan. SBTPG is the bank for that loan. Their system is intentionally opaque to consumers - it's like trying to see inside the kitchen at a restaurant. Your best indicator is actually the IRS's Where's My Refund tool - once it shows "sent," check your bank account daily. SBTPG typically holds funds for only 24-48 hours.

Have you checked your tax transcript directly from the IRS? As of April 7th, 2024, many refunds that were filed in early March are showing code 846 (refund issued) but the funds are still being held by processors like SBTPG for 1-3 business days. What date did you file your return, and have you been able to access your transcript to see if there's a refund issued code yet?