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Based on the current processing times, amended returns are taking approximately 20 weeks (140 days) to process. You filed in June 2024, so you're at about 18-19 weeks now. You're very close to the expected completion timeframe. For reference, I filed an amended return on March 3rd and received processing confirmation on August 12th - exactly 162 days later. Your 2023 amended return should be completed before the 2024 filing season opens on January 23, 2025, so there shouldn't be any timing conflicts.
Omg I'm going through EXACTLY this right now and it's so frustrating! š« I think you should consider filing your 2024 taxes electronically as early as possible when the season opens. This way if there are any complications, you'll have more time to resolve them before the deadline. I've learned that paper-filed or amended returns create so many more headaches than e-filed returns. The electronic system processes much faster and has fewer errors. I'm DEFINITELY e-filing everything from now on after my amended return nightmare!
Good point about e-filing! Would you recommend using a tax professional next time or just careful DIY with good software?
Thanks for this advice. I'm definitely planning to e-file early this year. I've learned my lesson about waiting until the last minute!
According to my records from the past 3 filing seasons, Pathward has deposited funds exactly 22-24 hours before the official DDD in 100% of cases. For a DDD of 3/15, you should see funds in your account between 9:00am-11:00am on 3/14 based on their standard processing window. They receive the funds from IRS approximately 36 hours before DDD, hold for their processing period of 12-14 hours, then release during their morning batch window which runs from 7:00am-11:00am Eastern time.
I'm supposed to get my refund soon too... Have you ever had them deposit earlier than the day before? I've heard some people saying they occasionally get it two days before, but I'm not sure if that's actually true or just wishful thinking.
Tbh I think SBTG is just terrible. Been using them for 2 yrs and still have probs every qtr. IMO they're just collecting interest on our $ before sending it to IRS. Wouldn't be surprised if they intentionally delay access until they've moved the funds. Govt should really look into these payment processors.
The login restriction is actually part of SBTG's fraud prevention protocol. Their Automated Clearing House (ACH) verification process requires full settlement of funds before enabling account access, which typically takes 2-4 business days depending on your financial institution. This isn't unique to SBTG - most tax payment processors implement similar security measures to prevent fraudulent transactions and payment reversals. The system isn't broken; it's operating as designed with security prioritized over convenience.
I get the security aspect, but they could at least send a confirmation email that your payment was received! The total lack of communication is what drives me crazy. My bank showed the payment went through days ago, but SBTG acts like I don't exist until they're good and ready.
Let me clarify what the SBTPG trace number actually means: 1. First, the IRS approves your refund and assigns a DDD 2. Then, they notify SBTPG that funds will be sent on that date 3. SBTPG creates a trace number in their system to track your refund 4. On your DDD, the IRS sends the funds to SBTPG 5. SBTPG deducts fees, then forwards remaining amount to your bank 6. Your bank processes the deposit according to their schedule The trace number doesn't mean SBTPG has your money yet - just that they're expecting it on your DDD.
You're in the home stretch! When SBTPG shows a trace number, you're basically just waiting for the calendar to hit your DDD. One thing to watch for - make sure your SBTPG account shows the correct bank info. There's always those horror stories about refunds going to old closed accounts. I'd check that now while you're waiting!
Molly Chambers
Did you use a tax preparer who took their fees out of your refund? I'm asking because this creates an extra step in the process. Your refund first goes to a temporary account where the preparer's fees are deducted, then the remainder is sent to you. This typically adds 1-2 days to the timeline. I had a 3/12 DDD and just got mine this morning, so yours is likely right around the corner, wouldn't you agree?
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Ian Armstrong
ā¢This happened to me and I was FREAKING OUT!! I triple-checked my banking info, called my bank THREE times, and was about to call the IRS when my refund finally showed up. It took exactly 4 business days after my DDD. The tax prep fee thing is real and they DON'T make this clear when you're filing!!
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Eli Butler
ā¢Think of it like your refund taking a little detour before reaching your bank account. It's like ordering a package that has to stop at a processing center before final delivery. The system works, but it's not always as direct as we'd like it to be!
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Marcus Patterson
Omg don't do what I did last yr! Had a similar DDD, freaked out after 2 days, called IRS and spent 4hrs on hold only to find out everything was fine. Then got my $$ literally while on the phone w/them š¤¦āāļø The WMR tool isn't always accurate but your transcript usually is. If transcript shows refund issued, it's def coming. Banks r slow AF processing these batches esp in tax szn. Hang tight!
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