My BFF works at CREDITUNION (not telling which branch lol) and she told me they do processing runs at 2am, 11am, and 4pm. So if you don't see it in the morning, check again after those times.

Anyone know if offset refunds follow the same DDD schedule? I have child support arrears and know I'm only getting a portion of my refund after the offset. Just wondering if that process takes longer.

I was so confused by this last year! After hours of digging, I finally figured out SBTPG is like a middleman bank that TurboTax and others use. When you choose to pay for tax prep from your refund, the IRS sends your whole refund to SBTPG first, they take the fees, then send you the rest. The dates can be different because SBTPG processes things on their own schedule, not necessarily the same as the IRS DDD.

Everybody already explained SBTPG, but I just wanted to add - keep an eye on your account to make sure the full amount arrives. Last year they messed up my deposit and I had to call TurboTax to get it fixed. The difference between your expected refund and what you got should exactly match your tax prep fees plus their transfer fee (usually around $40).

It always pisses me off when my money just sits at SBTPG. The part that makes me the most angry is that they've already taken out their fees, so they have NO reason to hold the rest of MY money. Pure greed.

Here's a trick: call them every single day and be persistent. Ask for a supervisor if the first person can't help. I did this last year and suddenly my money appeared the next day. They can expedite if they want to, they just don't unless you make noise.

The IRS "Where's My Refund" tool is the biggest joke. It's been showing "approved" for me for 3 weeks now. I finally broke down and used taxr.ai to actually read my transcript and it turns out they had sent a letter requesting verification 2 weeks ago that I never received! Would have been waiting forever if I hadn't checked. Highly recommend checking your transcript somehow - either through the IRS website or using taxr if you can't access it directly.

With Chime for 4 yearz now. They deposit as soon as IRS releases the $$. If IRS says its sent but not in ur account yet, it might be hung up in ACH processing. Give it 24 hrs before panickin. If still nuthin by tomorro afternoon, CALL THE IRS not Chime. Chime cant do anything until they actually receive the $$$.

To all my Cash App tax refund peeps: If your DDD is a weekend or holiday, expect it the next business day. I learned this the hard way last year staying up all night on a Sunday waiting for money that didn't come till Monday morning 🤦‍♂️

If you're waiting for your Cash App refund, check that you dont have a negative balance already! My friend had his refund come in but he already had -$83 on his account from an overdraft so that got taken out first. just fyi!

I had the exact same issue and couldn't figure it out until I used taxr.ai to analyze my transcript. Turns out there was an adjustment code buried in there that I totally missed. The tool explained everything and saved me hours of research and stress. Highly recommend checking it out (https://taxr.ai) if you're still confused about what's happening.

FYI - If you had a Tax Examiner look at your return (CP05 notice), they sometimes make adjustments without telling you until after the fact. You'll get a notice in the mail explaining the change within 2-3 weeks after the deposit.

I checked my transcript this morning and it shows a TC 571 code. Anyone know what that means? Will it delay my refund? The expected deposit date is still showing 2/17.

My tax person said the deposit date on the transcript is when the IRS is done with their part. Then it goes to the financial management service who actually sends the money to banks 1-2 days before. Then its up to your bank when they let you have it.

the IRS is a disaster this year. I had an 846 date of 2/10 and didn't see my refund until 2/14. Then got a random letter saying they adjusted my amount by $2 😂 Make it make sense! Just be patient for a few more days.

try calling the tax advocates line at 877-777-4778. they might be able to tell you if there's an issue with your refund that's not showing up on transcript yet. sometimes there are holds that don't show up right away.

Anyone else think its INSANE that in 2025 the IRS still cant process a simple tax return efficiently?? Our tax dollars fund this broken system. The irony is PAINFUL 😤

OP, go to taxr.ai - literally saved me from the exact same situation last month. It explained my transcript, showed me what was happening with my refund, and even predicted the correct deposit date. Way better than guessing or stressing about it.

UPDATE YOUR DIRECT DEPOSIT INFO IN YOUR IRS ACCOUNT RIGHT NOW if you've changed banks since last year! I didn't update mine and they sent my refund to a closed account. Now I have to wait 6-8 weeks for a paper check. Learn from my mistake people!

the waiting is the hardest part! filed 2/12, accepted same day, transcript updated last friday with ddd of 3/17. just need to make it through 2 more days...