Let me clarify how TPG works with TurboTax refunds. TPG is essentially a middleman that receives your refund first, takes out any TurboTax fees you agreed to pay from your refund, then forwards the remainder to your bank account. This extra step is why there's sometimes a delay between getting your DDD and seeing it on TPG. I wouldn't worry too much - in my experience, the money usually hits your account before TPG even updates their website.

I'm... not wanting to sound negative, but TPG has been really unreliable for me this year. I got my DDD notification last week, and TPG still hasn't updated. But here's the thing - I checked my bank account this morning and the money was already there! So maybe don't rely too much on their website? Just keep checking your actual bank account.

I might be in the minority here, but I would probably wait until the WMR officially updates before spending any significant amount. There's possibly a small chance that the card system is showing a pre-authorization rather than an actual deposit. It's likely fine to use, but without official confirmation from the IRS, there could potentially be issues if something goes wrong with the processing. Just my two cents though - most people seem to have no problems in this situation.

I checked the IRS2Go app yesterday after seeing a similar situation with my refund card showing funds before WMR updated. According to TaxSlayer's support page (https://support.taxslayer.com/hc/en-us/articles/360015704731-Where-s-My-Refund-), the WMR tool only updates once daily, usually overnight. So if your funds hit during the day, you might not see the WMR update until the next morning. My funds were available to use right away despite the WMR lag!

I filed on February 9th and was in exactly the same situation. My transcript finally updated on March 15th and I received my refund via direct deposit on March 22nd. The whole time I had nothing - no transcript, no updates, no explanation. Then suddenly everything appeared at once. Hang in there - I know it's frustrating when you're counting on that money for bills.

FWIW I filed 2/8 and was stuck in limbo until yesterday. My WMR finally updated to approved and my transcript appeared outta nowhere. No explanation for the delay, no letters, nothing. Just suddenly processed after 6wks. Refund scheduled for DD on 3/29. Seems like a bunch of early Feb returns all got held up for some reason.

According to the IRS.gov refund status page, most H&R Block customers who filed electronically in February are receiving deposits this week. Your friend should check the Where's My Refund tool (https://www.irs.gov/refunds) which updates daily. The IRS subreddit also has a weekly refund megathread where people post their filing/deposit dates by preparer.

Tell her to call H&R Block directly. Not the local office. The main customer service line. They can see more details. Might save her some stress. Worth the 15 minutes on hold.

Be careful about counting on specific cycle patterns this year. My brother-in-law was 0605 last year and this year, but his experience was completely different. Last year: filed Feb 10, refund Feb 28. This year: filed Feb 8, still waiting with no updates. The IRS is like a box of chocolates this season - you never know what you're gonna get. Better to prepare for delays than count on that money immediately.

I'm a 0605 filer too, submitted on 2/19 and just got my deposit yesterday. Interestingly, my transcript updated on 4/1 with an 846 code dated 4/3. Has anyone else noticed the IRS is giving shorter windows between the 846 code appearing and the actual deposit this year? In previous years wasn't it usually 5-7 days between transcript update and deposit?