Did you have any fees taken out of your refund? I'm asking because I filed exactly 32 days ago with H&R Block and also chose the refund advance option. My transcript shows a DDD of 2/28, but I'm trying to figure out if I'll get it early like you did.

OMG THANK YOU for posting this!!! 😭 I have the EXACT same situation (H&R Block, same DDD, all credits) but with Chase bank instead. Just checked my account after seeing your post and IT'S THERE!!! Would have never checked until tomorrow if I hadn't seen this! This community seriously saves my sanity every tax season! 🙏

I had this exact situation on April 2nd this year. SBTPG only showed the post-offset amount. The Treasury takes their portion before SBTPG gets anything. If you're expecting a refund and worried about an offset, you can call the Treasury Offset Program directly at 800-304-3107 to check if you have any outstanding debts subject to offset. I called on March 28th and they told me exactly what was going to be taken before I even got my refund.

Be careful with this. SBTPG might show a reduced amount, but not tell you why. I had this happen. Thought it was fees. It wasn't. It was offset for old student loan. By the time I figured it out, planning was difficult. Should have checked transcript first. Would have seen code 898. Always check transcript before assuming amounts are correct.

I remember going through this exact situation last tax season. My transcript showed a DDD but nothing appeared in my account for almost a week. What I learned is that the banking system has these ACH transfer windows that don't always align with what we expect. For example, my credit union processes incoming federal payments in batches at 2am and 2pm. If the IRS sends it after the morning batch, I don't see it until the next day. I'd suggest checking with your bank about their specific federal payment processing schedule.

Have you tried checking your refund status through the IRS2Go app instead of the website? Sometimes they show different information. Also, ever notice how the WMR tool and your transcript can show completely different statuses? I've had situations where WMR showed nothing but my transcript had the DDD. Might be worth checking both places if you haven't already.

According to the IRS2Go app and the official IRS processing status page (https://www.irs.gov/refunds/tax-season-refund-frequently-asked-questions), cycle 0605 is experiencing longer than normal processing times. I've been researching this issue and found that checking your transcript too frequently can sometimes trigger security flags in their system. Maybe try waiting 3-4 days between checks? I'm cautious about suggesting this since it's not officially confirmed, but several forum discussions on r/tax and the TaxProTalk website mention this as a potential issue.

I've seen this specific issue with cycle 0605 before. Here's what you should do step-by-step: 1. First, verify you're checking the correct tax year (2024 for returns filed in 2025) 2. Check your return status using Where's My Refund tool rather than just the transcript 3. Confirm your filing was actually accepted (not just submitted) via your tax software 4. Look for any emails from your tax software about filing status 5. Wait until at least 21 days have passed before becoming concerned I'm worried that with the current backlog, many cycle 0605 returns are taking 6-8 weeks to process. This could impact your financial planning if you were counting on that refund soon.

I've been filing taxes for 12 years and this has happened to me twice. Both times it was because of a simple mismatch that the IRS computer system flagged. First time was because my employer had a different address on my W-2 than what I used on my return. Second time was because I had gotten married and my name change hadn't fully processed in their system. Did you have any life changes this year?

You know what's funny about tax season? Everyone thinks their return is lost when it's delayed, but the IRS actually processes over 96% of returns without any issues. Have you tried checking your account on IRS.gov instead of just WMR? Sometimes that shows different information. And remember - no news is usually good news with the IRS. If there was a serious problem, they'd send you a letter.