For those still waiting: I recommend setting up IRS transcript access if you haven't already. The cycle code on your transcript can tell you exactly when your return is being processed. For example, cycle code 20240805 means your return was processed in the 8th week of 2024 on the 5th day (Thursday). Wells Fargo typically posts IRS deposits between 3-5am Eastern time on the scheduled date. I've tracked my deposits for 5 years now, and Wells Fargo has never been early but has occasionally been 1 day late depending on when the IRS initiates the ACH.

Thanks for sharing your timeline! This gives me hope - I filed on 2/13 with Wells Fargo and my WMR just updated to show a 3/5 deposit date. Based on what everyone's saying here, it sounds like Wells Fargo is pretty consistent with their timing, even if they're not the fastest. I appreciate you mentioning that it matched your timeline from last year too - helps set realistic expectations. Did you have to do anything special when you moved to the US regarding your tax filing, or was the process pretty straightforward once you got your SSN sorted out?

Anyone else's WMR still saying 'Your return is still being processed'? Filed 1/16

Cycle 05 filer here too! From what I've seen in previous years, the IRS usually processes PATH Act returns in batches. First wave typically hits around Feb 22-24 like Connor mentioned, but some people get theirs as late as early March depending on their bank and if there are any issues. I'd keep checking your transcripts after Feb 15th - that's when things usually start moving. Fingers crossed we all get ours soon! 🤞

Tax professional here. What's happening in your situation is like a relay race with multiple handoffs. Think of it this way: IRS → SBTPG (TurboTax's bank) → Credit Karma. Each handoff takes time. With direct deposit to your own bank, it's just one handoff: IRS → Your Bank. The advance is like getting a small head start while waiting for the full race to finish. In my clients' experience, TurboTax + Credit Karma typically results in funds being available 0-1 days before the official DDD about 70% of the time. The other 30% see it exactly on the DDD. The advance portion usually comes much earlier, but that's a separate transaction.

Thanks everyone for the detailed responses! This is incredibly helpful. I'm in the same boat - TurboTax with fees, got the advance, and using Credit Karma card. My DDD is March 15th according to my transcript. Based on what I'm reading here, it sounds like I should expect the main refund portion somewhere between March 14th-15th, with the advance already processed. I'll definitely check that SBTPG site that was mentioned to track when they receive it from the IRS. The relay race analogy really helped me understand why there's variability - more handoffs means more potential delays. I'll plan my mortgage payment for March 16th just to be safe, but fingers crossed it comes a day early like most of you experienced! One follow-up question: does anyone know if Credit Karma posts deposits immediately when they receive them, or do they batch process at certain times of day?

pro tip: call right when they open at 7am EST. Way easier to get through and the morning reps seem more helpful ngl

I went through the same thing last year! "Unpostable" basically means there's a mismatch or error that's preventing your return from being processed normally. Most common causes are name/SSN not matching Social Security records, missing prior year return, or identity verification needed. The IRS should send you a notice explaining the specific issue within 2-4 weeks. In the meantime, try calling back and asking for the specific unpostable code - that'll give you a better idea of what's wrong. Hang in there, it's stressful but fixable! 🙏

I had this exact problem earlier this tax season. My check finally showed up 9 days after the DDD on my transcript. Are you signed up for Informed Delivery through USPS? That way you'll at least know when it's coming that day. Did your tax preparer acknowledge their mistake? Did they offer any compensation for the delay since it was their error?

I feel your frustration! I went through this same situation two years ago when my preparer made the same mistake. With a March 22nd DDD, you're realistically looking at receiving your check between March 27th-April 2nd if everything goes smoothly. The IRS usually mails checks the Friday of your DDD week (so March 21st or 28th in your case), and then it's up to USPS delivery times. Given that you need the funds for medical expenses, I'd recommend calling the IRS after April 7th if you haven't received it by then - that's when they'll typically start a trace. Also, definitely sign up for USPS Informed Delivery if you haven't already so you can see when it's coming that day. Hope this helps ease some of your worry!