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The TurboTax prepaid card operates on the MetaBank platform, which processes ACH Treasury deposits differently than standard bank ACH transfers. Treasury deposits typically follow a specialized processing protocol that may bypass the standard pending notification system. I would recommend checking your transcript for code 846 with a corresponding date - this is the official refund issued code that confirms your deposit has been scheduled. If WMR shows approved with a date, your deposit is likely proceeding normally despite not appearing in the pending section.
Have you tried checking your refund status through the IRS2Go app instead of relying on the TurboTax card app? The official IRS app at https://www.irs.gov/newsroom/irs2goapp gives more reliable information directly from the source. I was in the same boat last month - nothing showing in my TurboTax card app but IRS2Go confirmed my deposit date. Money showed up right on time despite never appearing as 'pending' in the card app!
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Have you received ANY correspondence from the IRS at all during these 7 months? They're supposed to send a letter if there's an issue or if they need more information. Check if they sent something that maybe got lost in the mail.
This reminds me of when I was waiting for a tax adjustment after filing an amended return. The IRS timeline is like dog years compared to what you'd expect from any other organization. What worked for me was contacting my Congressional representative's office. Unlike calling the IRS directly, which is like trying to win the lottery, Congressional caseworkers have special channels to inquire about tax issues. They resolved my 5-month delay within two weeks after I provided them with a signed privacy release form.
But doesn't contacting your representative take just as long as waiting for the IRS to process your return naturally? And what happens if your representative isn't particularly responsive to constituent services?
I appreciate the congressional representative suggestion. I utilized this method during the 2022 tax year when my return was significantly delayed. The process was straightforward and yielded results within 21 days of my initial contact with their office.
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I had almost the exact same situation on February 8th this year. My "as of" date bounced between 2/26, 3/4, and back to 2/26 over a two-week period. Once I finally got my letter on March 2nd and verified, my transcript updated on March 6th with all the processing codes. I used https://taxr.ai to analyze my transcript - it explained every code and gave me a projected deposit date. It was spot on - refund hit my account on March 15th exactly as predicted.
The "as of" date changes are part of the IRS's weekly processing cycle. Here's what's happening: - The IRS runs major processing updates every 7 days - Your return is flagged for ID verification (TPP program) - The system checks your account every cycle (hence date changes) - The letter typically takes exactly 14-21 days to arrive - Once verified, most refunds process within 9 days If it's been more than 21 days since you were told about verification, call the TPP line at 800-830-5084 between 7am and 7pm. Average wait time is 74 minutes, but they can confirm if the letter was actually sent and when.
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Check Publication 501. It explains dependency tests. Keep good records. Document who paid what. Save receipts for major expenses. Have your partner save proof too. Better safe than sorry. The support test is what matters most here.
Thank you for pointing to the specific publication. I'm always cautious about tax matters and want to make sure we're doing everything by the book. Will definitely look up Publication 501.
Just to clarify something important - are you and your partner legally married? Because that would change everything about this situation. If you're married, you cannot be claimed as a dependent by your spouse - you'd need to file either jointly or married filing separately. But if you're not legally married and just partners/roommates, then all the dependency tests others mentioned would apply. Can you clarify your relationship status for more accurate advice?
Luca Ricci
I had this exact issue with Netspend last year. My deposit was showing as "sent" on the WMR tool but didn't appear in my account until 4:37pm that day. Something about how Netspend processes ACH deposits in batches throughout the day rather than in real-time. I remember being slightly worried because I needed to pay rent, but it did eventually show up. One thing to note - if this is your first large deposit to Netspend, they sometimes place a 24-hour hold for security reasons.
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Astrid Bergström
•This is really helpful - thanks for the specific timing info. I'll try to be patient and check again later today.
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PixelPrincess
•I experienced this too! My deposit came through at 5:22pm even though the WMR tool said it would be deposited "by" March 8th. The batch processing explanation makes a lot of sense - I wish Netspend would be more transparent about this in their communications.
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Aisha Mohammed
Did you file with a tax preparer who takes their fees out of your refund? Sometimes that causes an extra delay because the money goes to their bank first, then gets forwarded to your Netspend card.
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