I went through this exact same situation in February! Got denied for the TurboTax advance after about 40 hours of waiting, and I was panicking about where my refund would end up. Can confirm that it automatically switches to SBTPG - you don't need to do anything on your end. The routing info in your TurboTax account will update to show SBTPG instead of Cross River Bank. I'd recommend checking the SBTPG website directly for tracking once your refund gets approved by the IRS. Their system is pretty reliable and gives you better updates than the TurboTax tracker. My refund took about 6 days after IRS approval to hit my account through SBTPG. The whole denial process was stressful but the actual refund went smoothly once it got routed properly.

I can relate to this situation! Got denied for the TurboTax advance last year and was stressed about the same thing. The good news is that everything switches over to SBTPG automatically - no action needed from you. What helped me was logging into my TurboTax account and confirming that the refund details section showed SBTPG instead of Cross River Bank. Once that updated, I knew I was back on the standard processing track. The timeline ended up being about 10 days total from IRS acceptance to money in my account, which honestly wasn't much different than if I had just gone with the regular option from the start. The advance denial was disappointing but didn't actually delay my refund significantly.

This happened to me two years ago! Don't panic - there's a simple explanation. When I called FreeTax customer service, they explained that they use Republic Bank for all their refund transfers. The routing number ending in 7418 is from Republic Bank - they're the financial institution that processes all of FreeTax's refund transfers. The process takes about 1-2 weeks total from when the IRS approves your refund until the money shows up in your actual bank account. It's annoying that they don't explain this clearly during the filing process!

I just went through this exact same situation with FreeTax a few weeks ago! Like everyone else has mentioned, that different bank account number is completely normal when you choose to pay filing fees from your refund. What I found helpful was checking both the IRS "Where's My Refund" tool AND logging into my FreeTax account online to track the status. The FreeTax portal actually shows when they receive the refund from the IRS and when they forward it to your personal account after deducting their fees. In my case, once the IRS sent my refund (which showed as "sent" on their website), it took exactly 4 business days for the money to appear in my actual bank account. The routing number you mentioned ending in 7418 does sound like Republic Bank, which is the third-party processor FreeTax uses. One tip: make sure you have the correct bank account info saved in your FreeTax profile, since that's where they'll send the remainder after taking their fee. You can double-check this in your account settings. The whole process was nerve-wracking at first, but it worked exactly as described!

As someone who works in payroll administration, I can confirm that "FED MWT EE" is indeed federal income tax withholding - the "MWT" stands for "Mandatory Withholding Tax" and "EE" indicates it's the employee portion (as opposed to employer-paid taxes). What many people don't realize is that this amount is calculated using IRS Publication 15 tables based on your W-4 elections, pay frequency, and gross wages. If you're finding the amount too high for your budget, you absolutely can adjust it by filing a new W-4 with your employer's payroll department. Just be cautious about reducing it too much - you want to avoid owing a large sum at tax time plus potential underpayment penalties. One helpful tip: if you're struggling to understand all the deductions on your paystub, most payroll systems can generate a detailed breakdown report that explains each code. Don't hesitate to ask your HR or payroll team for this - it's a completely normal request and will help you better manage your finances going forward.

This thread has been super educational! I work in tax preparation and see this confusion constantly during tax season. One thing I'd add is that if you're really unsure about your withholding amounts, consider doing a "paycheck checkup" quarterly rather than just annually. Life changes throughout the year - you might get a raise, start a side hustle, get married, or have other income sources that affect your tax situation. I always tell my clients to review their W-4 whenever they get a significant pay change or at least twice a year to make sure they're on track. Also, for those who are visual learners, your year-end W-2 will show your total federal income tax withheld in Box 2 - that's the sum of all those "FED MWT EE" deductions from your paychecks. Comparing that number to your actual tax liability on your return will tell you if you're withholding the right amount for your situation.

I've been dealing with the same 424 code for about 6 weeks now. From what I've researched, it usually means they're doing an income verification review - could be triggered by anything from a small discrepancy in your W2 reporting to just random selection. The waiting is the worst part honestly. I've seen people say it can take anywhere from 6-16 weeks to resolve. Have you tried calling the practitioner priority line? Sometimes they can give you a bit more info than the regular customer service line.

Ugh, I feel your pain! I'm dealing with the exact same thing - got the 424 code about 3 weeks ago and it's been radio silence since then. From what I've gathered from this thread and other research, it seems like they're just verifying some info on our returns. Super frustrating that they can just hold our money with basically no communication though 😤 At least it sounds like they do pay interest while we wait, which is something I guess? Definitely gonna look into that taxr.ai thing people are mentioning - anything beats calling the IRS and waiting on hold forever just to get a generic "your return is being processed" response 🙄

I totally understand your frustration! I went through the exact same thing last year - had a deposit date and nothing showed up in my account. The anxiety of waiting for money you really need is the worst. From my experience and what I've learned, the IRS "deposit date" is really when they send the payment to your bank, not when it actually hits your account. Most banks take 1-2 business days to process it after receiving it from the IRS. Since tomorrow is your scheduled date, I'd give it until Thursday or Friday before worrying. Also, smaller banks often don't show pending deposits at all until they actually post. If you still don't see anything by Friday, that's when I'd start making calls or checking your transcript for any issues. Hang in there!

I went through this exact same anxiety last year! The waiting is brutal when you really need that money. Here's what I learned: the IRS "deposit date" is actually when they release the funds to your bank, not when it hits your account. Your bank then needs 1-3 business days to process and post it. Since you're with a smaller bank and they told you they don't see anything pending, that's actually pretty normal - many banks don't show IRS deposits as pending until they're ready to post. I'd definitely wait until Friday before getting worried. If nothing shows up by then, check your transcript on the IRS website (irs.gov) - it will show if there are any holds or issues with your refund that the Where's My Refund tool doesn't display. The transcript codes can be confusing, but there are tools that can help interpret them if needed. Try to hang in there - in most cases, the money shows up within a day or two of the scheduled date!