The Refund Transfer (RT) product that TurboTax offers uses SBTG as the Transmitter Bank. When your advance application is declined, the system is supposed to automatically revert to standard processing, but there's a technical disconnect in their API that sometimes causes the "no account found" error. This doesn't mean your refund is lost - it just means the RT product configuration in their system hasn't properly registered yet. The IRS is still processing your return normally, and you'll receive your refund via your selected disbursement method, minus the TurboTax fees. The frustrating part is that neither TurboTax nor SBTG will take responsibility for this communication gap.

I had this exact same issue last month! Filed with TurboTax on February 8th, opted for the 5-day advance, then got the message saying it couldn't be expedited. SBTG showed nothing for me either. I called TurboTax and they just kept transferring me around. Finally, after about 2 weeks of checking daily, my refund suddenly appeared in my bank account - directly from the IRS, not through SBTG. The TurboTax fees were still taken out though. So basically what happened was the advance got declined, but instead of telling us clearly, they just quietly switched it to regular processing. You'll still get your refund, but it'll come on the normal timeline.

I think I'm understanding this correctly, but just to be certain... if you received unemployment benefits in 2023, you would need to amend your 2023 return that you already filed. But if you just started receiving benefits in 2024, then you would include that income when you file your 2024 taxes next year?

I went through this exact scenario during the 2020 tax year with the pandemic unemployment. The key factor is determining which tax year the unemployment compensation was received. When I filed my amended return (Form 1040-X), I had to include Schedule 1 (Additional Income and Adjustments to Income) where unemployment is reported on Line 7. The process took approximately 20 weeks for the IRS to process my amended return, and I received an additional tax bill of $1,842 due to the unemployment income plus a small penalty for underpayment.

Have you checked if you're on a weekly or daily processing cycle? This makes a difference in when you'll see updates: • Weekly cycles: Updates appear Friday mornings • Daily cycles: Can update any day • Transcript updates before WMR • Processing time post-verification varies by tax year Did the agent give you any specific timeframe or just say it was verified?

This is similar to when I had to verify for my 2022 taxes, but quite different from my 2021 experience. In 2022, it took about 12 days after phone verification to see my refund, whereas in 2021 it took nearly a month. The current processing seems faster than during the pandemic backlog years, so I'd expect you'll see movement within 2 weeks if your situation is similar to most standard returns.

I went through this exact scenario last tax season. The transcript site was down for three days straight, my bars had disappeared, and I was checking hourly. What worked for me was checking at 2:45am - I got in immediately when everyone else was sleeping. Two days later my deposit hit my account even though WMR never updated. The cycle seems to be repeating this year based on what I'm seeing in the tax forums. The disappearing bars actually turned out to be a good sign in my case!

The IRS is currently experiencing unprecedented system demand due to the Child Tax Credit and EITC processing influx. According to the IRS Operations Dashboard, transcript database access is operating at 172% capacity during peak hours (9am-5pm EST). The transcript system undergoes batch processing at approximately 00:00-03:00 EST daily with major updates occurring on Wednesdays and Saturdays. Your WMR bars disappearing indicates transition to secondary review status (TC 570/571 pending) which typically resolves within 7-14 calendar days absent exceptional circumstances.

Just a word of caution - I had a refund check that showed as "issued" but never arrived. After waiting three weeks, I had to contact the IRS to initiate a trace on the missing check. Have you confirmed your current address is correct with the IRS? Sometimes they use an old address from a previous filing year. Also, did they mention anything about the check potentially being offset for any outstanding debts? I'd suggest keeping a close eye on your mailbox after the 7th, but if you don't receive anything by the 21st, you might need to call them back. Would you be able to set up direct deposit for future refunds to avoid this situation?

Tbh the IRS transcript dates are super confusing. What ur seeing is def the ISSUE date not the arrival date. I'd add ~7-10 biz days for mail delivery. Pro tip: sign up for USPS Informed Delivery (free service) so u can see pics of ur mail before it arrives. That way u know exactly when the check is coming. Saved me tons of anxiety when waiting for my backpay from 2021. Also check if ur state has a "where's my refund" tool - sometimes they're more accurate than the feds.

I went through something similar with household employee misreporting last year. Have you tried requesting a wage and income transcript directly from the IRS? This would show exactly how your income was reported to them. Did your employer provide you with any documentation explaining their tax treatment of your compensation? Was any portion of your compensation specifically designated as a housing allowance? Did you receive regular paystubs showing how your income was categorized? The more documentation you have about your actual earnings, the stronger your case will be when filing Form 4852.

Here's a specific example that might help: My client was a live-in elder care provider in 2022, and her employer did the exact same thing - put all wages in Box 14 labeled as "excluded lodging benefits." The IRS held her refund for months. We resolved it by filing Form 4852 along with her employment contract showing her hourly rate, timesheets documenting hours worked, and a statement calculating the reasonable value of lodging versus actual compensation. We explicitly referenced IRS Publication 15-B regarding the proper treatment of lodging benefits. The IRS processed this within 6 weeks and released her refund with interest. The key was providing clear documentation showing which portion of compensation was legitimately excludable lodging and which portion was taxable wages.

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.

OMG same boat! DDD 3/24, H&R Block, Emerald Card, and still nada. I finally checked my tax transcript using taxr.ai (https://taxr.ai) and it showed my refund was actually sent but there's some kinda hold on H&R Block's end? The site explained all the codes on my transcript and showed my refund was def processed and sent by IRS. Helped me figure out it's not an IRS issue but prob just H&R Block being slow af with processing.

Has anyone noticed if direct deposits to regular bank accounts are processed faster than these prepaid cards? It's like the difference between express shipping and standard - wondering if I should switch methods next year if Emerald Card is consistently slower than direct deposit to a traditional bank.

I was in exactly your situation 9 days ago. DDD of 3/6 and nothing on my Emerald Card until 3/15. Called H&R Block 4 times with no real answers. Finally used Claimyr (https://claimyr.com) to reach an actual IRS agent after waiting exactly 97 minutes on hold. The agent confirmed the money was sent to H&R Block on my DDD and provided me with a trace number. When I called H&R Block back with this trace number, they suddenly "found" my deposit and released it within 24 hours. So relieved to finally get my $4,873 refund!

Has anyone actually received an explanation from H&R Block about why these delays are happening? Is it affecting all Emerald Card holders or just certain types of returns? Have you checked if there's any pattern to who's experiencing delays? I've been tracking several forums and it seems like people with certain tax credits are having longer delays than others. Did you claim any credits on your return?

Contact H&R Block immediately. They have tax professionals on staff. Their accuracy guarantee covers this situation. Request they file an amended return. Ask for their assistance contacting IRS. Keep detailed records of all communications. Request they cover any penalties. Check if they have audit support services. Time is critical here.

Not to add more stress, but you should act on this YESTERDAY! 😬 I'd actually recommend skipping H&R Block for the amendment and go straight to a CPA or Enrolled Agent who specializes in tax resolution. H&R made the mistake in the first place, and honestly, their seasonal preparers might not have the expertise to fix this properly. You're potentially looking at penalties and interest accumulating daily, so this isn't the time to pinch pennies on professional help. (I learned this $11k lesson the hard way last year!