


Ask the community...
Did you get a letter from OMV? Sometimes they send a notice. About 30 days before they take action. Worth checking your mail carefully. Have you already filed this year? Might be worth calling TOP directly. Their number is 800-304-3107. They can tell you immediately if anything is pending.
I think there might be some confusion here about what qualifies for federal offset. Generally speaking, OMV debts (such as traffic tickets, registration fees, etc.) would typically only offset your state refund, not federal. However, if your OMV debt has been escalated to a court judgment or transferred to a collection agency, it could potentially qualify for federal offset under certain circumstances. It might be worth contacting both your state's offset program and the federal Treasury Offset Program just to be certain of your specific situation.
I would caution against assuming there's a problem just yet. The IRS processing times have been... unpredictable in recent years. While most returns might process within the standard 21-day window, many perfectly fine returns take longer, especially during peak filing season. It might be worth checking your transcript if possible, though sometimes even that shows nothing until processing is complete. The mortgage interest and property tax deductions probably aren't causing delays unless there's a significant mismatch with what your lender reported.
According to IRS Publication 2043 (IRS Refund Information Guidelines For The Tax Preparation Community), the IRS states that "the IRS issues more than 9 out of 10 refunds in less than 21 days." However, refunds containing Earned Income Tax Credit (EITC) and the Additional Child Tax Credit (ACTC) cannot be issued before mid-February per IRC ยง32(c)(1) as modified by the PATH Act of 2015. For your specific situation with a DDD of 4/17, Treasury Regulation ยง301.6402-2 dictates that the refund must be processed within 24-48 hours of that date, but financial institutions may hold funds according to Federal Reserve Regulation CC.
True. Banks can hold. Not required to release same day. Depends on your bank's policy. Capital One usually posts mine early morning of DDD. Chase sometimes takes an extra day. IRS has done their part once you see code 846.
Pro tip from someone who's been through this anxiety many times: stop checking your bank account! ๐ The refund WILL come, and checking every 15 minutes won't make it arrive any faster. The IRS actually has a pretty good track record with DDDs being accurate within 24-48 hours. I've found that refunds typically hit my account around 3am on the DDD day, but I've seen them come a day later too. Unless you need that money for an emergency today, just pretend you're getting it on Friday and be pleasantly surprised if it comes tomorrow.
The timing matches what I've seen this year. TurboTax card deposits are consistent with the DDD. Bank deposits sometimes take 1-2 additional days. Credit unions often post fastest. The IRS isn't actually sending early - just different financial institutions processing at different speeds.
If anyone is still waiting, the IRS2Go app often updates before the Where's My Refund website. I've found that checking your transcript at https://www.irs.gov/individuals/get-transcript gives you the most accurate information. My experience was similar - filed 2/5, transcript updated 2/19, refund deposited 2/26.
Lena Schultz
Got mine this morning! Was starting to think the IRS forgot about me or maybe my kids suddenly became tax-ineligible overnight ๐ Seriously though, I was freaking out because I'm counting on it for daycare payment. Checked my account obsessively for days and then BOOM - there it was this morning, a week later than usual. Hang in there, it's probably coming soon!
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Pedro Sawyer
โขIt's like waiting for water to boil - the more you check, the longer it takes! My payment was delayed last month too, felt like watching paint dry while bills were stacking up. This month was right on time though.
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Mae Bennett
โขCheck for offsets. Child support? Back taxes? Student loans? Government takes these first. Happens automatically. No warning sometimes.
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Beatrice Marshall
You need to act ASAP if you haven't received it by now! Follow these steps immediately: 1. Log into your IRS account 2. Download your account transcript for 2024 3. Look for code 290 (indicates processing) 4. Check for code 846 (indicates payment sent) 5. If you see code 570, your payment is on hold If you don't see code 846 for April, call the dedicated CTC hotline at 800-908-4184 before 4PM Eastern TODAY. They're closing cases for this payment cycle at end of day!
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