Have you considered calling your bank directly? Many banks have specific departments that handle government deposits, and they can often see pending ACH transfers before they post to your account. I've found this approach to be much more effective than waiting or trying to reach the IRS. Most banks have extended hours for their ACH departments, and they can tell you if they've received the transfer notification from the Treasury Department. This gives you a definitive answer rather than speculating based on transcript dates which, as others have mentioned, are really just release dates rather than deposit guarantees.

Lol welcome to the "refresh your bank app every 5 minutes" club! 😂 I was in the same boat last week - transcript said 3/15 but didn't hit my account until 3/18 (Monday). Nearly drove myself crazy checking all weekend! From what I've seen on this sub, about 60% get it same day, 30% next day, and 10% take 2-3 days. Seems to depend on your bank and sometimes just luck of the draw. Hang in there - it's coming! 💰

According to IRS Publication 2043 and the Internal Revenue Manual section 21.4.1, the Direct Deposit date on your transcript is when the IRS initiates the payment, not necessarily when it will appear in your account. The ACH transfer system typically takes 1-3 business days to complete. Since your DDD is 3/22 (Friday), and today is still 3/22, I would be slightly concerned but not alarmed. If you don't see it by Wednesday 3/27, then you should contact the IRS at 800-829-1040. They can initiate a refund trace if needed, but they won't do this until 5 business days have passed since your DDD for direct deposits.

I had my tax refund scheduled for direct deposit on February 15th this year, and it didn't show up until February 19th. Have you checked if your bank shows any pending deposits? Did you have any tax preparation fees deducted from your refund? Was your refund being split between multiple accounts? These factors can sometimes cause additional delays.

Here's what happens with the 570 code after PATH delays: Step 1: The 570 appears, freezing your account temporarily Step 2: The IRS reviews whatever triggered the hold (can be random selection) Step 3: If no issues are found, a 571 code appears releasing the hold Step 4: The 846 code appears with your refund date Step 5: Money is sent on that date (usually arrives 1-5 days later depending on your bank) This process typically takes 2-3 weeks from the 570 date. Since yours is dated March 4th, you should see movement by March 25th if everything goes smoothly.

I'd strongly advise against checking WMR more than once daily. While it doesn't technically affect processing, I've seen cases where frequent login attempts triggered security protocols that caused 24-48 hour lockouts. Given your documentation deadline, you can't afford to lose access to your account information. Have you tried calling the IRS directly? What about requesting a tax advocate since you have a deadline that could affect your employment?

I can explain exactly what's happening with your cycle code: Step 1: The IRS assigns each return to a processing cycle (01-99) Step 2: The first two digits indicate the year (24 for 2024) Step 3: The next four digits represent the week number in that year Step 4: The last two digits are the actual cycle code So if your cycle code changed from 05 to something else, it means your return is now being processed on a different day of the week. 05 means Thursday updates, 20 means Monday updates, etc. This often happens when different divisions are handling your return or when the IRS redistributes workload to manage processing volumes.

Everyone keeps suggesting simple explanations for cycle code changes, but it's not always benign. In my experience, a sudden cycle code change after years of consistency often indicates additional scrutiny. The IRS doesn't randomly reassign processing cycles without reason. I'd recommend pulling your full account transcript (not just return transcript) and looking for any TC 570 codes or other hold indicators. If you see those, you might be facing a manual review situation. Simply waiting it out isn't always the best approach - sometimes proactively contacting them can resolve issues faster.

FYI - SBTG usually processes within 24hrs of IRS deposit. Their system runs batch processing overnight. If IRS confirms deposit to SBTG today, you'll prob see funds tmrw or next biz day. Depends on your bank too. Some post pending deposits, others wait til fully cleared.

This SBTG situation is way better than what happened with Republic Bank refund transfers a few years back. Those would take 5-7 days sometimes! I was pulling my hair out waiting. With SBTG, I've consistently gotten my refund 2-3 days after the IRS releases it. Just keep an eye on your WMR status - once it says sent, give it 2-3 business days and you should be good.