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Let me clarify a few things about SBTPG date changes for everyone: β’ The initial date (2/26) is the IRS official direct deposit date β’ The updated date (2/25) is when SBTPG has received your funds and is processing them β’ Chime users typically see deposits 24-48 hours earlier than traditional banks β’ SBTPG must first: - Receive the funds from IRS - Deduct any tax preparation fees - Process the remainder to your bank I understand how stressful this waiting period can be, especially after a divorce when finances are already complicated. The date change is generally a positive sign, but the exact timing of when Chime makes it available can vary throughout the day.
My SBTPG date changed from 2/12 to 2/11 last week, and my Chime deposit hit at 1:42pm on 2/11! Did your WMR status also update to show the refund was sent? And have you checked your transcript to see if there are any codes that might explain the date change? I was checking my bank account literally every hour that day because I was so anxious about it arriving early.
Got mine this morning! Was starting to think the IRS forgot about me or maybe my kids suddenly became tax-ineligible overnight π 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!
It'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.
Check for offsets. Child support? Back taxes? Student loans? Government takes these first. Happens automatically. No warning sometimes.
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!
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 Β§32(c)(1) as modified by the PATH Act of 2015. For your specific situation with a DDD of 4/17, Treasury Regulation Β§301.6402-2 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! π 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.
I was in your exact situation last year. Filed Feb 8th through Chime and didn't see my refund until March 29th! The whole time WMR just showed "still processing" with no explanation. I was counting on that money for car repairs and ended up having to put them on a credit card. The wait is definitely stressful when you're budgeting around that refund. Thanks to everyone here for the helpful advice.
You might want to try accessing your tax transcript through the IRS website rather than relying on WMR. The Account Transcript often shows pending refund information with cycle codes that can give you a more accurate timeline. If you see code 570 (refund hold) followed by 971 (notice issued), that's typically indicating they need additional information. Many Chime users report longer processing times due to the routing numbers triggering additional verification in the IRS fraud detection filters.
Victoria Brown
SUCCESS! Filed 2/14, transcript updated today with DDD of 4/9! For anyone still waiting, I highly recommend checking your transcript instead of WMR. My WMR still shows only the first bar, but transcript has all the details including the 846 code with the direct deposit date. According to the r/IRS megathread, most 2/14-2/16 filers are seeing updates this week. Check https://www.irs.gov/individuals/get-transcript if you haven't already!
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Samuel Robinson
I filed exactly on February 15th at 10:23am and have been checking WMR exactly every 4 hours. My transcript just updated today with a 571 code and an 846 code with a date of 04/10/2024. Does this mean I'm getting my refund on April 10th? The amount shows $4,328 which matches what I was expecting.
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