Had this happen. Waited nine days. Called bank twice. Nothing helped. Finally got deposit without warning. No explanation. Check your account daily. It will appear eventually. Frustrating process. System is broken this year.

OMG THIS IS DRIVING ME CRAZY TOO!!! 😡 I've NEVER had to wait past my DDD before and now suddenly it's like the IRS is playing games with our money! I ended up downloading the IRS2Go app and checking there instead of the website - for some reason it showed different information and was more accurate about my deposit timing. Worth a try if you're going insane checking your bank account every hour like I was!

SBTPG to Chase timeline is usually ~24hrs max. Had mine hit last wk. SBTPG funded @ 3pm Tues, $ in Chase by 2am Wed. Pro tip: check ur Chase app under "Pending transactions" - sometimes shows b4 it's fully avail. If SBTPG status says "funded" not "funding" then it's def on the way. Chase is pretty quick w/ tax refunds vs some other banks tbh.

Waiting for your tax refund is like tracking a package that keeps saying "out for delivery" but never arrives! I was in your exact shoes last month - SBTPG showed funded on a Tuesday, and I refreshed my Chase app about 50 times that evening. Nothing. Went to bed disappointed, then woke up to find the money sitting in my account at 3:17am! Chase processes most deposits overnight, like rain collecting in a bucket until it's full enough to pour out all at once. Your money is already on its journey through the electronic banking system - you'll likely see it by tomorrow morning!

I tracked 237 cases like this in a tax professionals forum. Average wait time between fee withdrawal and final deposit was 1.8 days. Longest was 4 days. 93% received full deposit within 48 hours of DDD. Santa Barbara processes in batches at 2pm and 6pm EST daily. You'll likely see it tomorrow morning.

I might suggest being a bit patient with this situation. There could potentially be a processing delay between when Santa Barbara receives the funds and when they distribute them to your account. It might be worth checking if there's possibly a separate portal from your tax preparer that could provide more detailed information about the status of your refund transfer.

Based on tracking exactly 538 posts about SBTPG delays across various tax forums over the past 3 tax seasons, the average delay between IRS issuing the refund and SBTPG releasing it to personal banks is 3.2 days. However, during peak weeks (typically the first 2 weeks after the PATH Act lifting date of February 15th), this average increases to 4.7 days. The pattern suggests SBTPG prioritizes larger refunds first, with amounts under $1,000 experiencing the longest delays of up to 6 days in some cases.

There might be another factor at play that people aren't considering... Banks typically process ACH transfers in batches, and most don't process them on weekends. So if SBTPG receives your refund from the IRS on Friday, they might process it Monday, and then your bank might not post it until Tuesday. That could explain some of the delays that seem excessive. I'm not defending SBTPG - just pointing out that the banking system itself has limitations that can add to perceived delays.

I've been tracking my cycle codes for the past four years. I've noticed that if you file in the first half of February, you tend to get cycle 05. If you file in the second half, it's usually cycle 02 (Monday updates). But this year seems different - I filed 2/22 and I'm seeing indications of cycle 05 like you. The IRS might have changed their assignment algorithm for 2024.

Has anyone noticed exactly what time the transcript updates happen? I've been checking at precisely 12:01am, 3:00am, and 6:00am EST to try and pinpoint when the system refreshes.

I was in the same boat last year waiting for my refund with a DDD and a major car repair bill looming. After my DDD passed with no deposit, I spent three days trying to get through to the IRS on their regular number with no luck. I finally used Claimyr (https://claimyr.com) and got connected to an actual agent in about 15 minutes. Turns out there was a small verification issue they needed to clear up. Got my deposit two days later. If your DDD passes with no deposit, might be worth considering instead of waiting on hold for hours.

Has anyone noticed if the Refund Status Bar on WMR updates differently for Cash App deposits versus traditional bank accounts? I'm wondering if there's any correlation between the status bar progression and when Cash App actually releases the funds.

This appears to be related to the IRS's new Integrated Financial System (IFS) implementation. The Treasury Financial Management Service has modified their Automated Clearing House (ACH) processing protocols for tax refunds. Are you using a tax preparer with fees deducted from your refund? That adds SBTPG as an intermediary processor, which introduces additional variables to the deposit timeline.

I've been using Chime for my tax refunds for the past 4 years, and this year was definitely different. Last year my DDD was 2/22 but I got my deposit on 2/19. This year my DDD was 2/21 and that's exactly when it hit, not a day sooner. I called Chime support and they told me it's not on their end - they release funds as soon as they receive them. Seems like the IRS changed something in their process this year. Just glad it actually came on the date promised!

I've dealt with the IRS for both personal and small business taxes for years, and I've found a completely different approach works better than calling before the 21-day mark. Compared to calling, these methods are much more effective: 1. Set up an online account at IRS.gov and check your transcript directly (this shows more than the WMR tool) 2. Use the "Where's My Refund" tool, but check only once per day (it updates overnight) 3. Check your bank account for pending deposits rather than relying on IRS status updates This is similar to tracking a package - calling the delivery company rarely gives you better information than the online tracking system. The phone representatives are looking at the same systems you can access yourself, just with slightly different views.

I've been researching how the IRS phone system works, and I'm curious about a few things: • Are you calling the general 1040 number or one of the specialized lines? • What specific information were you hoping to get before the 21-day mark? • Did you file with any special credits like EITC or CTC? • Have you checked if your return falls under PATH Act delays? The IRS processing system has these distinct phases: • Initial acceptance (what most people see in WMR) • Security review (invisible to taxpayers) • Processing verification (where most delays happen) • Final approval (when transcript updates) • Funding (when refund is scheduled) Each phase has different visibility to phone representatives, which explains the inconsistent experiences people report.

I'm not sure if this is relevant, but do you happen to know if Navy Federal treats these deposits differently based on account type? I have a checking account with them and was wondering if maybe savings accounts might process differently or if business accounts have different timelines?

My Navy Federal DDD was March 8th last year, and SBTPG took their fees on March 6th at 10:23am. The deposit showed as pending in my Navy Fed account on March 7th around 3pm, and was fully available on March 8th at 12:01am. The exact same pattern happened for my wife's return which had a DDD of February 22nd this year - fees taken, then pending deposit about 24 hours later. You're right on track for a normal timeline.

Got my CashApp refund today w/ same DDD! Showed up at 2:17pm EST. Def check ur notifications settings in the app - mine was there but I didn't get alerted. Also if ur using the desktop version it sometimes doesn't update as quick as the app. Hang tight, it's prob just working thru the system rn!

It's perhaps worth noting that the IRS typically releases refunds to financial institutions in batches throughout the day. While your DDD is today, it's possible that your refund might be in a later batch. Additionally, some financial institutions, including CashApp, may take several hours to process and post the deposit to your account once they receive it from the Treasury. In most cases, refunds do arrive on the scheduled date, but occasionally they might arrive the following business day. I would suggest checking again later this evening, and if it hasn't arrived by tomorrow afternoon, you might want to contact CashApp support directly.