Direct deposit is the way to go next time bestie! Check mailing is always a headache

I'm in the exact same boat! Issue date of Jan 31st and still waiting. The 5-7 business day thing seems to be more like a guideline than a rule based on what I'm seeing here. At least we're not alone in this wait 😅

I've assisted numerous taxpayers with this exact scenario. The ONE card utilizes a legitimate banking infrastructure that's fully compatible with IRS direct deposits. The ACH transfer system doesn't distinguish between traditional bank accounts and prepaid products like ONE when processing your refund. Tax Slayer merely transmits your banking details to the IRS without any interference in the deposit process. I've observed successful deposits to ONE cards from multiple tax preparation services including Tax Slayer, with standard processing timeframes of 8-21 days from acceptance date.

I used Tax Slayer with my ONE card last year and it worked perfectly! Got my refund in about 10 days after acceptance. Just make sure you're using the correct routing number (031302955) and your full account number from the ONE app. One tip - screenshot your account details from the app rather than trying to write them down, since the account numbers are pretty long. The IRS doesn't care what tax software you used, they just need valid banking info. Don't stress too much about it!

Has anyone considered that the tax brackets might change before the end of 2025? Remember in 2020 when everything changed mid-year because of covid relief stuff? Maybe the IRS is hedging their bets with Publication 15-T in case Congress makes changes?

This is exactly the kind of systemic issue that makes tax compliance so frustrating for both employers and employees. I've been tracking this discrepancy across multiple clients this year, and it's definitely more pronounced than in previous years. What's particularly concerning is that this gap disproportionately affects middle-to-upper-middle income earners who don't typically need to make estimated tax payments. These are people who have always relied on payroll withholding to cover their full liability, and they're going to be blindsided next filing season. I think the IRS needs to be more transparent about these intentional buffers in their guidance. Publication 15-T should include a clear disclaimer explaining that the withholding tables may result in underpayment for certain income levels and circumstances. Right now, employers like us are left trying to explain to confused employees why their withholding doesn't seem adequate when we're following official guidance to the letter. Has anyone reached out to their payroll software vendor about this? I'm wondering if there are any patches or updates coming to help address this issue.

THE IRS IS STEALING OUR MONEY WAKE UP SHEEPLE!!!1!!

Glad you figured it out! The refund advance thing trips up so many people - I did the exact same thing two years ago and was freaking out thinking the IRS lost part of my refund. TurboTax really should make it clearer that when you get an advance, that amount gets deducted from your final refund. At least now you know for next year!

Has anyone found TaxCaster to be accurate at all? I used it last year and it was off by over $1,500 compared to my actual refund when I filed. It showed I'd get about $3,200 back but I only got $1,700.

Just to add another perspective - I've been using TaxCaster for about 3 years now and found it pretty reliable when I stick to ONLY federal income tax withholding (Box 2 on W-2). One tip that helped me get more accurate estimates: if you're married filing jointly like the original poster, make sure you're entering the COMBINED federal withholding from both your W-2s. So if your Box 2 shows $4,200 and your wife's shows $3,800, you'd enter $8,000 total in the federal taxes field. Also, don't forget to account for any estimated tax payments you might have made throughout the year if you have side income or investment gains. Those count toward your total "payments" just like withholding does. The calculator works best for straightforward situations - W-2 income, standard deduction, maybe some common credits like child tax credit. If you have business income, rental properties, or complex deductions, you're better off using the full tax software or consulting a professional.