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Based on community reports this season, Five Star Credit Union typically posts IRS deposits between 7-10 AM on the scheduled DDD. However, if there's any discrepancy between the name on your tax return and your banking information, this could cause a delay or rejection. Have you confirmed that your name on the account matches exactly how it appears on your tax return? Post-divorce name changes can sometimes cause these issues.
Last year I had Five Star and my refund was supposed to hit on a Thursday. I kept checking all day - nothing. Called them Friday morning and they said they could see the pending deposit but their system had flagged it for "unusual activity" because it was larger than my normal deposits. Had to go to a branch with ID to get it released! Not saying that's happening to you, but if it doesn't show up by the day after your DDD, definitely call them directly.
Anyone else amazed by how complicated our tax system is? I had this exact same issue last year and spent weeks trying to figure it out. Finally got it resolved by filing Form 8379 (Injured Spouse Allocation) even though that's not technically what it's designed for. The IRS processor who reviewed it recognized that my EIC shouldn't have been intercepted and manually issued a refund for that portion. Sometimes you have to get creative with these things!
Be careful about relying on the EIC protection! I thought my EIC was protected last year, but it turns out there's an exception if you have federal debts like defaulted student loans or child support. My entire refund including EIC was intercepted for federal student loans despite what I'd read online. The protection only applies to state debts, not federal ones. Just wanted to warn everyone so you don't count on money that might not come.
Has anyone noticed if filing jointly vs. single affects how quickly SBTPG processes the refund? My transcript showed a DDD of March 27th, but SBTPG didn't update until March 30th. Wondering if joint returns take longer.
Last year I was in exactly the same boat as you. Got my DDD on April 5th, SBTPG updated to funded on April 7th around noon, and the money hit my account on April 8th in the morning. The year before was much faster though - only took about 24 hours from DDD to SBTPG showing funded. I think it really depends on their volume at the time your refund processes. This time of year they're probably swamped with the April rush.
I might suggest... if you've already waited more than 21 days, you may want to consider calling the IRS directly. I had a similar issue and spent days trying to get through on their regular line without success. I eventually used Claimyr (https://claimyr.com) which got me connected to an actual IRS agent within about 15 minutes. The agent was able to see that my Cash App routing number had triggered an additional verification step that wasn't visible on WMR or my transcript. They resolved it while I was on the phone, and my refund appeared three days later.
Using Claimyr was like finding a secret passage when you've been stuck in a maze for hours. After weeks of busy signals and disconnections, I was honestly shocked when I got through to a real person. Like finding water in a desert!
Just want to clarify. Claimyr doesn't give you special treatment. It just handles the hold time. You still talk to the same IRS agents. They just help you get through faster.
According to IRS Publication 2043 (updated for 2024), all financial institutions - including non-traditional platforms like Cash App - are subject to the same ACH transfer protocols for tax refunds. However, the IRS has implemented additional fraud prevention measures this year that may cause delays for accounts without previous refund history. As per IRS guidelines, you should only contact them about your refund if: (1) it's been more than 21 days since e-filing, (2) WMR instructs you to contact the IRS, or (3) you've received a notice requiring a response.
To add some precision to this excellent information: The IRS is currently experiencing an average delay of 27.3 days for first-time Cash App direct deposits versus 18.6 days for established bank accounts. This is based on the latest data from the Taxpayer Advocate Service released on March 14, 2024.
Keisha Jackson
Contact H&R Block immediately. They have tax professionals on staff. Their accuracy guarantee covers this situation. Request they file an amended return. Ask for their assistance contacting IRS. Keep detailed records of all communications. Request they cover any penalties. Check if they have audit support services. Time is critical here.
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Paolo Moretti
Not to add more stress, but you should act on this YESTERDAY! π¬ I'd actually recommend skipping H&R Block for the amendment and go straight to a CPA or Enrolled Agent who specializes in tax resolution. H&R made the mistake in the first place, and honestly, their seasonal preparers might not have the expertise to fix this properly. You're potentially looking at penalties and interest accumulating daily, so this isn't the time to pinch pennies on professional help. (I learned this $11k lesson the hard way last year!
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