I tracked processing times for my clients from January 29th through April 15th, 2024. Returns filed on February 2nd averaged 24 days to refund, while returns filed on March 15th averaged 14 days, and April 1st filers averaged just 9 days. However, I noticed that returns with refund advances sometimes have additional verification steps that can add 3-5 days regardless of filing date. If you don't need the advance immediately, you might consider skipping that option next year to potentially speed up processing even more.

Be careful with this strategy. While it sometimes works, I've seen it backfire badly. Last year, 14 of my clients filed in April thinking they'd get faster processing. 11 got quick refunds (average 8.7 days), but 3 got caught in the April 15th processing surge and ended up waiting 47 days due to verification holds. The IRS processes exactly 119,457,000 returns annually, with 14.6% coming in the final week. If your return has ANY unusual elements (self-employment, credits, schedule C, etc.), late filing can actually trigger additional verification flags since the IRS scrutiny algorithms adjust throughout the season. It's a calculated risk that works 78.4% of the time based on my data.

Omg I'm in the EXACT same boat! Filed w/ TT on Feb 23rd, got the advance option too, and still stuck on pending. Called TT customer svc yesterday and they basically said they can't do anything bc it's on the IRS side now. Super annoying!! The rep did mention that a TON of ppl who filed in late Feb are seeing delays this yr. Apparently there was some massive backlog from Presidents Day weekend that they're still working thru. My friend who filed on the 28th just got her $ yesterday, so maybe we're next?

When you opted for the refund advance, there are several important factors that could be affecting your timeline: • TurboTax refund advances are actually loans from a third-party bank (usually Credit Karma or First Century Bank) • The advance creates a different processing path through the IRS systems • Your actual refund will go first to repay the advance before you receive the remainder • The TurboTax status tracker is sometimes delayed compared to the actual IRS status I'm concerned that your medical expenses are being delayed by this process. Have you tried pulling your actual IRS transcript? That often shows processing codes that can give you more specific information about where in the pipeline your return is currently sitting.

Has anyone else noticed that the processing times seem faster compared to last year? I filed on January 15th, 2024, and didn't get my refund until February 28th. This year, I filed on January 17th, 2025, and already received my refund on February 5th. I'm wondering if the IRS has improved their systems or if I just got lucky this time around?

For anyone else using TurboTax/Credit Karma for refund advances: remember that these are essentially short-term loans. The advance doesn't change your actual IRS processing time. Have you checked if your state refund is also being processed? Sometimes those follow a completely different timeline. And did you notice any fees associated with the advance that weren't clearly disclosed upfront?

Did you file with any special credits or deductions that might trigger additional review? Sometimes things like the Earned Income Credit or education credits can cause your return to go through additional verification steps before being fully accepted.

I filed on February 2nd this year and got my acceptance notification 3 hours later! 😂 But last year when I filed on April 12th (cutting it close, I know), it took 2 full days to get the acceptance. The IRS systems are probably like me after the holidays - moving a bit slower with all that extra weight to process. My advice is to check your tax software account rather than your email - sometimes the software updates before they send the notification.

Are you using Credit Karma Tax (now Cash App Taxes) or a different service? The advance policies work differently depending on which company you're filing through. Step 1: Check your service's specific terms. Step 2: Look for "Refund Advance" in your account. Step 3: Verify if your state qualifies - not all do.

Just want to share that I was in the same boat with a military transfer last year. According to Michigan Treasury Regulation 206.30(1), active duty military can qualify for certain tax benefits on their MI returns. I received my federal advance through TurboTax, but my Michigan refund came directly from the state about 12 days after filing. The state portion processed surprisingly fast once I figured out the military-specific sections!