Be careful with this situation. Last year I filed on January 25th and had the same "no transcript available" issue. I ignored it thinking it would resolve itself. By March 15th, still nothing. When I finally got through to the IRS on April 10th (two days before the deadline!), they told me my return had been rejected due to an ID verification issue, but the rejection notice went to my preparer who never told me! I had to rush to refile and nearly missed the deadline. Check with your tax preparer to make sure they received confirmation of acceptance, not just submission.

Had this issue. Filed January 23rd. No transcript until February 28th. System quirk. Nothing to worry about. Tax pro should have given you an acceptance code. That's what matters. Not the transcript availability. IRS systems don't sync well. Welcome to American bureaucracy.

I got my refund on GoBank last month. Had similar concerns. Called their support. Got confirmation on limits. Set up transfers immediately. Moved $2500 daily. Took four days total. No fees charged. Used their app. Process was smooth. Just needed patience. Worth the extra steps. Got all my money eventually. No regrets.

The exact GoBank daily transfer limit is $3,000 for external accounts. Their monthly limit is $10,000. Chime accepts transfers up to $25,000 per day from external accounts, contrary to what you heard. The $10,000 Chime limit applies specifically to direct deposits from certain sources, not transfers. You can verify this by calling Chime at 844-244-6363. I recommend transferring exactly $3,000 on day one, then $3,000 on day two, and the remaining $2,000 on day three. This stays within GoBank's limits while moving your full refund within 72 hours.

Idk if this FedNow thing is legit tbh. Been waiting 9 days since my WMR updated w/ the "5 days early" msg. Nothing yet!! Called my bank 2x and they don't see ANY pending deposits. Cross River isn't even responding to emails. Seems like just another way to get our hopes up for nothing. Anyone ACTUALLY received $ through this system yet this yr?? Need this $ ASAP for car repairs!!

Isn't it interesting how the IRS can tell us we'll get our money "5 days early" but then can't actually deliver on that promise? Why even give us that notification if they can't control when the funds are actually released? I've been through this rodeo before, and honestly, the Cross River Bank/FedNow system does work - but only after the IRS actually releases the funds. The real issue isn't with Cross River or FedNow, it's with the IRS processing times. Have you checked your tax transcript to see if there are any codes that might explain the delay?

The 2-24-25 date is almost certainly a Transaction Date Code anomaly. The IRS maintains separate databases for return acceptance, processing, and refund issuance, and they don't always synchronize correctly. What's concerning is that your processing date moved from March to April. This could indicate your return has been selected for the Integrity Verification Operation (IVO) review, which is a fraud prevention measure. I'd recommend monitoring your transcript for a TC 420 code, which would confirm this theory.

Check account transcript. Not return transcript. Look for code 150. That's your return processed date. Check for 846 code. That's your refund issued date. Future date is normal. System quirk. Don't panic. Watch for updates weekly.

Think of your tax return like a package in the mail system. Right now, your package has been accepted at the post office (the acceptance confirmation), but it hasn't been scanned at the regional distribution center yet (transcript update). Sending a second package (paper return) won't make the first one arrive faster - it just creates confusion about which package to deliver. The transcript database and the processing system are separate, like how the USPS tracking system is separate from the actual delivery trucks. Sometimes your package is already on the truck even when the tracking hasn't updated. January filers are starting to see mass updates now as the IRS works through the backlog. The system often updates in batches, so you might go from nothing to a complete transcript overnight.

I might be able to provide some insight based on my experience from last year. I filed on January 23rd, 2023, and had essentially the same situation - accepted but no transcript data and WMR showing only the first bar. I possibly made a mistake by sending a paper return on February 20th, thinking it would help. What actually happened was that the e-filed return processed normally on March 2nd, but then my paper return created a duplicate filing issue that took until July to resolve. The IRS had to manually review both returns, verify they were identical, and then suppress the paper return from processing. It definitely, definitely delayed my refund by several months.