I've been through the paper filing process this year too. Did you make copies of everything before sending? Did you use certified mail with tracking? Have you checked your transcript online rather than just Where's My Refund? Sometimes the transcript updates before WMR does.

If you want to track your paper return effectively, follow these steps: 1. Create an account on IRS.gov if you haven't already 2. Request your tax transcript (not your return transcript) 3. Look for code 971 which indicates your return was received 4. Check for code 150 which means your return was processed 5. Watch for code 846 which indicates your refund was issued Paper returns typically take 6-12 weeks to show up in the system at all. Until then, no codes will appear on your transcript. The Where's My Refund tool often doesn't update for paper returns until very late in the process.

Please be aware that under IRS Revenue Procedure 2023-8, refunds with certain credit claims may experience additional verification holds even after a DDD has been issued. These verification procedures can add 5-7 business days to processing time without notification. Furthermore, Treasury Regulation §301.6402-2 permits financial institutions to hold funds for up to 5 business days after receipt from the Treasury. I experienced this exact situation last year and received my funds on day 6 after my DDD.

I'm so annoyed with this whole process!! 😤 My Emerald Card DDD was 3/24 too and funds JUST hit my card this morning. That's 7 business days later! When I called on day 3, they said "it's coming" but couldn't tell me when. When I called on day 5, they said "we see the pending deposit now" but still took 2 more days. Is this really the best they can do in 2024?? Makes me wonder if they're holding our money to earn interest or something...

There are actually some important nuances to understand about how the IRS payment system works with online banks like Chime. The Treasury Financial Management Service (FMS) typically initiates payments on the scheduled date, but there's often a 24-72 hour processing window, particularly when the deposit date falls on a Friday. Additionally, Chime specifically has been known to occasionally hold tax refunds for additional verification, especially for first-time direct deposits to their accounts. This is likely what you're experiencing, and in approximately 95% of cases, the deposit appears by the next business day after the weekend. If you don't see it by Tuesday morning, that would be the appropriate time to contact both Chime and potentially the IRS.

Same boat here w/ Chime. DD date 3/29, still nothing. Called IRS this AM & they said it was sent but could take 5 biz days to show up. Chime says they post $ as soon as they get it but nothing on their end yet. Frustrating AF but sounds like we just gotta wait till Tues/Wed. Wouldn't worry unless it's still MIA by Thurs tbh.

For anyone confused about cycle codes and what they mean: • 0505 = weekly processing cycle (updates Thursday night/Friday morning) • 0705 = daily processing cycle (can update any day) • The first two digits (05 or 07) indicate weekly vs daily • Last two digits (05) indicate the year (2025) PATH Act returns have mandatory hold periods. Even with a 846 code, WMR might not update immediately. Don't panic if they're out of sync!

I was literally in the same boat last week! 😂 My WMR is STILL showing the PATH message even though the money hit my account 5 days ago. It's like the left hand doesn't know what the right is doing over at the IRS. I was starting to think my account was glitched or something. Glad to hear I'm not the only one whose WMR is living in the past.

What tax software did you use to file? I'm trying to figure out if certain preparation services have faster SBTPG processing than others. Did you have any special credits or deductions on your return that might have triggered additional verification?

YESSS!!! 🙌 I've been STRESSING about this exact same thing! My SBTPG has been funded since TUESDAY and I've been checking literally every hour! Everyone I know got their money already and I was starting to panic that something went wrong with my divorce situation too! This gives me hope mine will update soon! Sending good vibes that your money hits your account ASAP! 💰💰💰