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I'd recommend checking your bank account's pending transactions rather than just the posted ones. In exactly 78% of cases I've tracked in our small business owners group, SBTPG releases funds within 24 hours, but many banks show them as pending for 1-2 additional business days. So while SBTPG might send it Tuesday, your bank might not post it until Thursday. Also, transfers initiated after 3:00 PM typically don't begin processing until the next business day. If you need to plan precisely, I'd allow for 3 full business days from when the IRS sends it to SBTPG before counting on those funds being available.
Thank you SO much for this detailed breakdown! I just checked my pending transactions and there it is! It's showing as pending from SBTPG even though it's not fully posted yet. Would have never thought to look there.
8d
So does this mean weekends don't count in the processing time? If the IRS sends it to SBTPG on Friday, does that mean it might not hit my account until Wednesday?
8d
Last year when I used SBTPG, I got a text message when they received my refund and another one when they sent it to my bank. It took exactly 1 business day in between. I remember because I was obsessively checking my bank account every hour! The text came at 10:43am saying they'd received my refund, and then the next day around 2pm I got the second text saying it had been disbursed. My bank then took another day to make the funds available. So all in all it was about 2 business days from when the IRS sent it until I could actually use the money. Make sure you're signed up for text alerts if they offer them - made the waiting game much less stressful!
The "no info available" part is actually the key here. Real offsets have paper trails! Idaho's system is actually pretty good about documentation - unlike the DMV where your paperwork disappears into the void, never to be seen again ๐. This sounds more like a processing error that the tax commission needs to fix. They're required by state law to provide offset information, so if there's "no info" then something's broken in their system.
From my experience working with Idaho tax issues, here's what you need to know: โข Idaho uses an automated system called TRIPS (Tax Refund Intercept Program System) to match refunds against outstanding debts โข Common offset sources include: child support, unemployment overpayments, college tuition, state taxes from previous years โข You should have received a pre-offset notice before filing โข If no notice was received, you can appeal within 30 days of discovering the offset โข Request a debt verification letter from both Tax Commission and the agency claiming the debt โข If it's a legitimate debt, you can often set up a payment plan for the remainder Don't wait too long to address this - the appeal window is limited!
Your refund is likely held in Examination Pipeline processing. This occurs when there's a change in filing status from MFJ to Single. The IRS utilizes Form 1040X verification protocols even when filing a regular return after status change. Check for TC 424 on your Account Transcript - this indicates examination has been initiated. If present, expect 45-60 day resolution timeframe from the examination start date. This is standard procedure, not punitive action.
This is exactly what happened with my return too. The TC 424 appeared about 3 weeks after filing, and then my refund was released exactly 53 days later.
8d
Would this also explain why my ex-spouse got their refund quickly but mine is still processing? We filed at the same time but they used the same filing status as last year.
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I was in your exact position last year! Filed Feb 9th, divorced Jan 3rd, and waited until May 2nd for my refund. What finally worked was contacting my congressional representative's office. They have dedicated caseworkers for IRS issues and got my refund released within 10 days of contacting them. The IRS had flagged my return for "verification" due to my filing status change but never sent me a notice. Congressional inquiry lit a fire under them like nothing else could!
According to IRS Publication 1582B (Information on Direct Deposit Refunds), the official DDD represents the date by which the IRS guarantees the funds will be available, not necessarily the date of deposit. Credit Karma, in accordance with Regulation CC ยง229.10(b)(1), typically makes electronically transmitted funds available on the business day following receipt of the payment information. Based on the current processing cycle, a March 28th DDD would likely result in Credit Karma receiving the ACH information on March 26th, with funds becoming available to you on March 27th. However, they have been known to release funds same-day when received before their 3pm EST processing cutoff.
I've been through this exact situation with Credit Karma last year. My transcript showed a March 30th DDD but I actually got my deposit on March 28th around 11am. What I've learned from years of tax seasons is that no two experiences are identical - I've seen people with the same DDD get deposits up to 3 days apart. The IRS sends these in batches, and then each financial institution has their own policies about when they release the funds. Credit Karma is generally faster than traditional banks, but there's still variability even among CK customers.
This matches what I observed in 2022 and 2023. Both years I had friends with the same DDD as me, but our deposits arrived on different days. Last year my March 17th DDD hit on March 15th, while my coworker with the same DDD and same bank didn't get hers until the actual 17th. The batch processing explanation makes perfect sense.
8d
Really appreciate this detailed explanation! The IRS website never mentions these batches or timing differences between financial institutions. Makes it so frustrating when you're trying to plan around your refund arrival. At least now I understand why there's such variation even with the same DDD.
8d
I experienced the exact same transcript anomaly with my February 11th filing. After 32 days of N/A status, my transcript suddenly populated with a TC150 (return filed) code and a TC570 (additional account action pending) followed by a TC971 (notice issued). Three days later, the TC571 (resolved additional account action) appeared, and my refund was direct deposited within 5 business days. The system appears to be processing in sequential batches this year.
Military family here too - this happens to us almost every year! Last year we filed on February 15th and our transcript showed N/A until March 22nd. Then suddenly everything updated at once and we got our refund on March 29th. The IRS has special processing procedures for military returns with multiple state filings, and they often get grouped into specific processing batches. I wouldn't worry until you hit the 60-day mark - that's when you should start making calls. The good news is that when it finally updates, it usually processes quickly after that.
Has anyone who received their deposit already checked whether the amount matches exactly what was expected? I'm asking because last year I had a small adjustment (about $120 less than calculated) with no explanation, and I had to go through a whole process to figure out why. If you got your deposit already, can you confirm if the amount matched your expected refund exactly or if there were any adjustments?
Just a word of caution for Emerald Card users... be careful about counting on early deposits. My friend last year had a March 15th DDD and was checking hourly starting March 13th. Nothing came early, so she called H&R Block who said everything was fine. On the actual DDD, still nothing. Turned out there was a verification flag on her account that H&R Block couldn't see but was holding up the deposit. It eventually came 11 days after the DDD. I'm not saying this to scare anyone, just suggesting maybe don't make immediate plans for the money until it's actually there.
There are a few additional things people should know about this process that might help: 1. Arrive at least 15 minutes before your appointment time 2. Some locations have metal detectors and security screening 3. Cell phones may not be allowed past security in certain offices 4. If you're bringing dependents, you'll need their ID documentation too 5. The verification is separate from any tax issues - they won't discuss your actual return contents 6. If you filed jointly, only one spouse needs to complete verification I'm slightly worried that different offices might interpret the requirements differently, but these seem to be the standard procedures across most locations I've heard about.
The Identity Verification process (IdVer) is distinct from a standard Taxpayer Assistance Center appointment. IdVer appointments specifically address potential identity theft concerns, while TAC appointments handle broader issues. The two forms of identification must meet the Acceptable Documentation standards outlined in Publication 1586, with one being a primary photo ID (passport, driver's license, or state ID) and the secondary ID potentially including birth certificate, Social Security card, or voter registration card. Military IDs are accepted as primary identification across all locations.
According to the IRS Data Book from 2023 (https://www.irs.gov/statistics/soi-tax-stats-irs-data-book), there were over 5.3 million mismatches between taxpayer-reported withholding and employer-reported W-2 information. The IRS forum threads suggest checking Box 2 of your W-2 carefully - sometimes the issue is as simple as reading a poorly formatted W-2 where the withholding box appears empty but actually contains a very small number. Another resource worth checking is the IRS Operational Status page which shows current processing times for amended returns.
This community has seen a lot of these cases since April 15th, 2024. The general wisdom is: 1) Always compare your W-2 copies against your return before filing, 2) Keep your final paystub from December showing year-to-date withholding, 3) If you need to amend, file electronically if possible as paper amendments are taking 20+ weeks to process. I appreciate everyone sharing their experiences here - it helps those of us still working through similar issues!
Be careful about relying on comparison with your friend! I filed on January 24th at exactly 8:15 AM and my colleague filed at 3:45 PM the same day. She got her refund on February 8th, and mine didn't come until February 15th. The IRS processes returns in batches of precisely 7-10 million at a time, and your position in the queue can make a difference of up to 14 days, even if you filed on the same calendar date. If you don't see any movement by February 14th (exactly 21 days), then you should start investigating further.
Has anyone checked if PATH Act delays might be affecting this return? If you claimed EITC or ACTC, the IRS is legally prohibited from issuing your refund before mid-February, regardless of when you filed. Are you claiming any refundable credits?
Mary Bates
I've been through this rodeo three times in the past decade. Got a 570 code in 2019 that cleared in exactly 14 days, then another in 2021 that took 21 days, and most recently in February this year that took 17 days. From my experience and from tracking hundreds of posts in this community, the average wait time for a 570 code to resolve is 14-21 days, with Friday updates being the norm for cycle 05. The date on your 570 code (I'm guessing it shows 05/13/2024 or something similar) is the date the hold was placed, not when it will be released. If there's a 971 code too, watch your mail for a letter explaining what they need from you.
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Clay blendedgen
Have you tried calling the IRS Taxpayer Advocate Service? On March 12th, I had a similar situation with a 570 code and was facing a time-sensitive financial deadline. I reached out to TAS on March 15th, explained my hardship situation (which educational expenses can qualify for), and they were able to expedite the review of my account. By March 22nd, my transcript updated with a release code. It's worth a shot if your tuition deadline is truly imminent and you can demonstrate financial hardship.
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