I went through this last week! Here's what happened: • Verified in person on March 25th • Transcript updated March 29th with DD date of April 5th • Nothing showed in Chime until April 4th around 3pm • Money was available immediately when it hit Just hang in there! The IRS seems to be pretty accurate with their dates this year, but Chime's early deposit feature doesn't always work with tax refunds the same way it does with paychecks. I was checking constantly too, but it showed up right before the official date.

From what I've observed in the community this season, direct deposit dates on transcripts are generally reliable, though the actual timing can vary slightly. Santa Barbara Bank is indeed the intermediary many tax preparation services use. It appears that most Chime users are seeing deposits arrive either on the transcript date or 1 day before, rather than the 2-3 days early that some experienced in previous years. This seems to be consistent across multiple financial institutions this tax season.

I received my refund exactly 48 hours and 17 minutes after my March 6th DDD. It hit my Cash App at 3:17pm on March 8th. Last year it took 72 hours. The year before that it was 24 hours. There's definitely no consistent pattern.

Tax refunds through Cash App are like waiting for a pizza delivery with no tracking - you know it's coming but have no idea when it'll actually arrive. My March 6th refund just showed up today (March 9th). No notification, no pending deposit warning, just suddenly appeared in my balance. For anyone still waiting, hang in there!

I think you might want to give it a bit more time, probably. The IRS seems to be somewhat overwhelmed this year, from what I've heard. My brother-in-law mailed his return around the same time as you, and it took almost 10 weeks before his transcript updated. Then his refund came about a week later. It's possibly just a normal delay, especially since you haven't received any notices requesting additional information or verification.

I mailed my return February 3rd. Transcript was blank until March 30th. Refund deposited April 5th. No issues. No letters. Just slow processing. Paper returns take forever now. Be patient. Your money will come.

Did you know that EIC and Child Tax Credit audits are among the most common? The IRS has to verify these credits because of high improper payment rates. Want to know what really matters here? Organization. Send exactly what they ask for - no more, no less. Label everything clearly. Make a cover sheet listing each document. Include the letter they sent you. Make copies of everything you send. Use certified mail with return receipt. Want to know the biggest mistake people make? Sending originals instead of copies. Never send original documents to the IRS.

I successfully navigated an identical audit situation last tax season. For the EIC verification, I provided my W-2 and final paystub showing YTD earnings. For Child Tax Credit, I submitted: (1) birth certificate establishing relationship, (2) school records showing your address, and (3) medical records with both names. For Head of Household, I included: lease agreement, three utility bills from different months, and property insurance showing I maintained the household. The IRS accepted everything without follow-up questions and released my refund approximately 6 weeks after submission. The key was providing clear documentation for each specific requirement without overwhelming them with extraneous paperwork.

I filed on February 3rd this year and chose to pay my preparation fees upfront. My refund was deposited directly to my account on February 15th. Last year, I filed on January 28th, 2023, and used the refund transfer option. My refund went to SBTPG first, then to my account on February 17th. The technical difference was the Refund Transfer service (Form 8888) which routes your money through the third-party processor. The IRS doesn't care either way - they just send it where you tell them to.

According to IRS Publication 1345 (Rev. 3-2023), tax preparers who offer Refund Transfer products must clearly disclose all fees associated with the service. Has anyone received an explicit breakdown of these fees when choosing this option? I'm trying to determine if my tax preparer followed proper disclosure requirements as specified in IRC §6695(f).