Just to clarify what's happening here: Think of the tax refund process like sending a package with tracking. What Navy Federal is seeing is essentially the shipping label being created (the ACH notification), not the actual package being picked up by the carrier (the IRS releasing funds). The IRS sends these notifications to financial institutions as a heads-up, but until the actual settlement date, the funds aren't truly released from Treasury.

Just tried this w/ my CU and it worked! They confirmed my refund is coming 2/26. WMR still shows processing but my CU rep said they can see pending ACH deposits up to 5 days before they hit accts. Thx for the tip OP! Saved me from checking WMR 20x/day lol.

Be careful about getting your hopes up too much. I was cycle 0605 and expected my refund on March 2nd. Nothing happened. Checked again on March 9th. Still nothing. Finally got my DDD on March 16th, but the amount was different than expected. Something about an adjustment. The waiting is the worst part. Just prepare yourself that it might not update tonight.

You might possibly want to consider checking your tax transcript around 12:30am instead of waiting until morning. In my experience, which could be different from others, the transcript updates seem to happen in batches, and sometimes the first batch is processed shortly after midnight. It's probably not necessary, but if you're already anxious about it, you might feel better knowing you checked at the earliest possible time, just in case.

I'm surprised by how complex the refund timing can be! According to IRS Publication 2043 (IRS Refund Information Guidelines for the Tax Preparation Community), the official policy states that financial institutions should receive refund information 1-2 days before the scheduled direct deposit date. However, there's nothing in the regulations that prevents banks from releasing these funds early once they've been received. I spent hours researching this when my refund arrived early last year because I was worried something was wrong!

I've been tracking the technical aspects of this process for a few years now. The IRS uses the ACH (Automated Clearing House) network to distribute refunds, which typically processes in batches. When did you first notice your transcript had updated with the DDD? Was there any delay between when your WMR tool updated and when your transcript showed the date? The technical flow should be: return accepted → processing → transcript update → WMR update → ACH initiation → bank receipt → deposit to account.

Have you checked your tax transcript on the IRS website? It would show exactly when your return was processed and when the refund was issued. Sometimes what happens is that the refund is issued but the Where's My Refund tool doesn't update properly. The good news is that you got your money, right? And isn't that what really matters in the end? Your state refund is probably still being processed and should arrive within the next week or so based on typical Wisconsin processing times.

Per IRS Publication 2043 and Internal Revenue Manual 21.4.1, the IRS is not required to show pending deposits before they are released. While many financial institutions display pending deposits as a courtesy, government disbursements often bypass this notification system due to the specialized ACH processing channels they utilize. Wisconsin Department of Revenue typically processes returns within 4-6 weeks, with an average of 30 days per their published guidelines for 2025.

Can you check WMR? Shows IRS status. Not preparer status. Might show "sent" already. Would confirm it's with preparer now. Not still with IRS.

I went through exactly this last year with my military move. Think of it like your refund taking a detour through another city before reaching you. I called my preparer on day 3 of waiting and politely asked for the status. Turns out they had actually received it already but hadn't processed the transfer yet. Like a package sitting in the warehouse waiting to be loaded on the delivery truck. A friendly call can sometimes move your "package" to the front of the line. I got my deposit the next day after calling, which was two days before their "official" date they had given me.