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FYI - PATH Act returns are super delayed this yr. IRS is swamped w/ verification. My transcript was blank for 58 days (!!!) after filing on 1/29. WMR just said processing the whole time. Then suddenly everything updated at once and DD hit my acct 4 days later. SBTPG prob only has ur state $. They take fees from first refund received. Hang tight - fed is still at IRS. Blank transcript = still in initial processing queue.
I had this exact issue last year. Blank transcript for weeks, SBTPG showed funded, and I'd received my state refund. Back in 2022, I panicked and called the IRS every day for a week. This year, I was patient and my transcript suddenly updated on March 23rd after filing January 25th. My federal refund hit my account on March 29th. The IRS is just incredibly slow with PATH Act returns, especially if you claimed the Earned Income Credit like I did.
I notice you mentioned your state refund came quickly - which state are you in? Did you file with any credits or deductions that might trigger additional review? Have you checked your transcript to see if there are any codes like 570 or 971 that might indicate a hold or review on your return?
Just got my refund yesterday after filing on February 8th! It's like comparing apples to oranges when you look at state vs. federal processing. My state (Michigan) came within 8 days, but federal took exactly 26 days. Last year was even worse - it was like waiting for Christmas in July! The relief when that deposit finally hit was better than finding out you don't owe additional taxes. My transcript updated about 5 days before the deposit with code 846, so keep checking that for the most accurate information.
I received exactly $3,200 in total stimulus payments ($1,200 + $600 + $1,400) and was worried about this same issue. Called the IRS on February 22nd and waited 1 hour 47 minutes to speak with someone. They confirmed that legitimate stimulus payments are NOT being recaptured. My refund of $2,743 was deposited 9 days later with no offset.
Be careful about this situation! I had a friend who ignored an IRS notice about an Advanced Child Tax Credit repayment thinking it was related to stimulus payments. Here's what happened: 1. She received the notice in January 2. Assumed it was just stimulus confusion and ignored it 3. Filed her taxes expecting a $3,200 refund 4. Received only $1,800 with an offset notice 5. Had to spend weeks resolving the issue Make sure you understand exactly which pandemic program is being referenced in any notices.
Pro tip from someone who preps way too much: split ur refund using Form 8888! I directed part of my refund to my NFCU acct and part to my local CU. NFCU charged the fee but my local didn't. Next yr I'm skipping NFCU completely. Also double-check ur routing/acct #'s before filing - one wrong digit and u might end up with a paper check anyway. Btw the fee is exactly $15 as of 4/12/24.
I experienced this exact issue on March 24th when my $3,247 refund hit my Navy Federal account. They deducted exactly $15.00 as a "processing fee" which wasn't charged in previous years. I called and spoke with a representative for 37 minutes who explained this was implemented in January 2024. After expressing my disappointment about the lack of clear communication, they agreed to refund the fee as a one-time courtesy. I understand they're a business, but I wish they'd been more transparent about this change.
Hiroshi Nakamura
I had a similar experience! Filed on February 14th, accepted the same day, and got my refund on February 25th. I was honestly shocked because last year I filed on January 28th, 2023 and didn't get my refund until March 17th! I think the IRS must have improved their systems this year. Such a relief to have that money back so quickly - already used it to pay off my holiday credit card bill!
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Isabella Costa
My sister filed on February 10th with almost the exact same situation (simple return, one W-2, standard deduction) and got her refund on February 22nd too! But my cousin who claimed EITC filed the same day and is still waiting. Isn't it interesting how the complexity of your return seems to be the biggest factor? Or could it be that certain processing centers are just more efficient than others? I've always wondered if returns get routed differently based on where you live.
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