Be careful about assuming you'll get your refund without warning! Last year I never saw updates on the website, but instead of getting my refund, I got a CP05 letter requesting more information! I'm so upset thinking about it even now. The letter came 10 weeks after filing, and then took another 8 weeks to resolve. By the time I got my refund, I had already missed payment deadlines I was counting on that money for. Check your mailbox religiously - sometimes they send notices without updating online systems!

According to the IRS.gov processing guidelines, identity verification can add 9 weeks to processing time. The IRS Where's My Refund tool often doesn't update until final processing stages. The official IRS statement is that most refunds are issued within 21 days, but identity verification, credits claimed, and other factors can extend this timeline significantly. Have you checked the Tax Season Refund Frequently Asked Questions page on IRS.gov? It specifically addresses these delay scenarios.

I verified online exactly 26 days ago and by phone 14 days ago. My transcript updated exactly 7 days after phone verification with a 971 notice code, then 3 days later with a 570 code, and finally 4 days after that with an 846 direct deposit code. The entire process took exactly 28 days from initial verification to refund in my account. The online verification DOES work, but the IRS internal processing doesn't instantly reflect in their public-facing systems.

Think of the IRS verification system like checking luggage at the airport - your bag (verification) is confirmed as received at check-in (phone call), but it still needs to travel through the conveyor belt system (internal processing) before it reaches your destination (transcript update). The phone agents can see it's in the system, but they can't necessarily speed up the conveyor belt. This is why you're getting conflicting information - you're verified in one system but that information hasn't propagated to all systems yet.

I had the same DDD and successfully received my refund through Cash App this morning. Here's what worked for me: 1. First, I verified my DDD was still 3/12 on the Where's My Refund tool 2. I made sure my Cash App account was fully verified (including SSN) 3. I checked that my account and routing numbers matched what I submitted on my return 4. I enabled notifications in Cash App settings 5. The deposit hit around 11:45am today If you've done all this and still don't see it by tomorrow, contact Cash App support through the app, then follow up with the IRS if needed.

Have you tried reaching out to Cash App support directly? I had a similar situation last year with Venmo. My DDD was February 15th and nothing showed up for days. Turns out they had flagged my deposit for review since it was significantly larger than my usual transactions. One quick call to support and they released it within hours.

I believe I might be able to help explain what's happening with your specific situation. The state and federal refund systems operate on completely separate processing schedules, which is why you received your state refund first. For Chime accounts specifically, there appears to be a potential pattern this tax season where: • If your DD date falls on a Tuesday (like your 3/12), deposits typically arrive Monday afternoon or Tuesday morning • The system seems to process batches around 10am, 2pm, and 4pm Eastern • Some users report that checking your Chime account too frequently can sometimes delay the notification It's perfectly normal to still be waiting, and I wouldn't be concerned unless it hasn't arrived by the end of day tomorrow. I hope this helps ease your mind somewhat during this waiting period.

According to the IRS2Go app and several reputable tax forums, Chime's early deposit feature works differently with government refunds than with regular paychecks. The IRS sends refunds in batches, not continuously throughout the day. If you check the Chime subreddit, you'll see most people with 3/12 dates are still waiting too. The real pattern I've noticed from tracking these posts is that your state's processing efficiency has little correlation with federal timing. Don't stress unless you pass your actual DD date without receiving funds.

Stop using tax prep services that offer bank products. They're almost always a bad deal. Next year, file directly with the IRS and get direct deposit to your own bank account. You'll get your money faster and avoid these middleman delays. Republic Bank is just a pass-through that adds another layer of potential problems. If you need your refund now, call Republic directly at their customer service line and ask for a trace on your check.

Just to clarify something important - Republic Bank isn't actually sending you an IRS check. What's happening is the IRS sent your refund to Republic, then Republic takes out any fees you agreed to, and THEN Republic issues you their own check for the remaining amount. This is way different from getting a direct deposit or a check straight from the IRS. That's why when you call the IRS they'll just tell you the refund was already issued (to Republic, not to you). Republic's customer service is notoriously worse than even the IRS during tax season.