Your timeline matches what we're seeing this tax season. I received my refund on February 21st after filing on January 27th with similar credits. The IRS began processing EIC and CTC returns on February 15th this year, and they're moving through batches quickly. Based on the data patterns, Venmo deposits are consistently arriving 1-2 days before the official DDD for most filers. If anyone filed around January 28-30 with similar credits, you should see deposits between February 22-24.

Be careful using payment apps for tax refunds. According to IRS Publication 1345 Section 5.2, the IRS isn't responsible for misdirected deposits if account information is entered incorrectly. I've seen cases where refunds were sent to closed or incorrect accounts, resulting in 6+ month recovery processes. While Venmo is generally reliable, their customer service has limited ability to trace government payments compared to traditional banks. Always verify your direct deposit information before filing!

Have you checked your Account Transcript specifically, or just your Return Transcript? The TC 150 posting with the cycle date is what you need to monitor. Also, are you seeing any Transaction Codes like 570/971 combination or just the basic processing codes?

I've been tracking the IRS processing patterns since January 29th when filing opened, and there's definitely a pattern with cycle 05 this year. The batch processing for 05 cycles from weeks 4-6 (late January/early February filers) is moving significantly slower than weeks 7-10. If you filed on January 29th as you mentioned, you're in that slower early batch. Most of those are updating between March 21st and April 4th based on the data I've been collecting.

The community consensus seems to be that the IRS is processing returns faster this year compared to the previous two filing seasons. Many early February filers are reporting 15-21 day turnaround times. However, there are always outliers - some get processed very quickly while others take longer due to various verification processes. The most reliable indicator is checking your account transcript rather than relying on the Where's My Refund tool, as transcripts typically update overnight on Thursdays/Fridays for many filers.

Filed 2/13 and just got my deposit yesterday. Isn't it weird how some returns zip through the system while others crawl? My transcript showed absolutely nothing until Tuesday when suddenly all the codes appeared at once - 150, 570, 571, and 846 all on the same day. Who knows why mine processed faster than others? Maybe because I had almost identical info to last year? Maybe because I didn't claim any credits? Maybe just pure luck of which processing center got my return?

Has anyone tried using the "Where's My Amended Return" tool instead? Sometimes when the regular WMR isn't showing updates, the amended return tool might show different information. I know it sounds counterintuitive if you didn't file an amendment, but the systems pull from different databases. Did you e-file or paper file?

I experienced a similar delay last year. My return included Schedule C self-employment income, which triggered a manual review according to the agent I eventually reached. If you have any of these potential audit triggers, expect longer processing times: - Self-employment income over $10,000 - Home office deduction - Earned Income Credit with self-employment - Large charitable contributions relative to income - Round numbers on multiple deductions My return took exactly 9 weeks to process from acceptance date.

I might be the good luck charm you need! My Chime deposit just hit about an hour ago (around 3:15pm EST). Same situation - 2/25 DDD, TurboTax with fees taken out yesterday. Seems like they're processing them in batches today. Probably depends somewhat on when you filed and which processing center handled your return, but there's definitely movement happening.

SUCCESS! Just received my ACH deposit notification from Chime at 4:22pm PT. The Transaction Detail shows "IRS TREAS TAX REF" with my full expected amount (minus the TurboTax fees that were already deducted). For anyone still waiting, make sure your Chime notifications are enabled so you don't miss it. The deposit posted exactly 2 days before my official DDD of 2/25.