Had this exact problem. Missing W-2 was $1,200. Got 60-day letter. Called IRS after 30 days. They confirmed they found the missing W-2. Said to wait. Got adjusted refund 2 weeks later. No need to amend. Just be patient. System works.

I'm in the same boat right now! Forgot a $1,200 W-2 from a side gig. Got my 60-day letter three weeks ago. Called the IRS yesterday (only took 4 hours on hold... my personal best! 🙄) and they confirmed they're just adjusting my return based on the missing W-2. Said I should get my adjusted refund in about 2-3 more weeks. The agent specifically told me NOT to amend since they're already fixing it. Apparently amending now would just throw another wrench in the system.

I think there might be some misunderstanding about how the banking system works. ACH credits (deposits) and debits (payments) operate on different timelines by design, not because banks are being difficult. The Federal Reserve processes these transactions in batches at scheduled times throughout the day. Most banks actually front the money for debits before they receive it, taking on temporary risk, which is why those seem instant. They generally won't do this for government deposits due to regulatory requirements. It's not that they can't process quickly - it's that they're following different protocols for different transaction types.

I've seen this pattern repeat every tax season for the past decade. In my experience working with various financial institutions, Wells Fargo specifically tends to not show pending deposits from the IRS until very early morning of the actual deposit date. I recall back in 2019 when I helped several clients with similar concerns - in every case, the money appeared on the DDD despite no pending notification. The IRS batch processing typically runs overnight between 12am-4am, and Wells Fargo's system updates around 3am-6am Eastern. If your transcript shows a valid 846 code with tomorrow's date, I'd recommend checking your account early tomorrow rather than worrying tonight.

In my experience, most banks typically do not release funds before the actual DDD, though there might be some exceptions. Credit unions sometimes process a day early, but major banks generally stick to the exact date or possibly the next business day. I would suggest possibly calling your bank to ask about their specific policy regarding IRS direct deposits, as this could potentially give you more clarity about your situation.

Just checked the IRS refund discussion forum at igotmyrefund.com and most people with 5/3 DDDs are reporting they haven't received deposits yet. According to the patterns there, about 15% of people get deposits a day early, 75% get them on the exact DDD, and 10% get them a day late. Your bank matters a lot - online banks like Chime tend to release early while traditional banks like Wells Fargo stick exactly to the DDD. Hope this helps!

I stopped using tax prep cards three years ago after a nightmare experience. My refund was supposedly deposited but the card showed zero balance for four days. Customer service had no answers. Finally had to go to an actual H&R Block office to resolve it. Now I use Credit Union direct deposit - refund came two days EARLIER than estimated this year. Plus no random fees for checking my balance or calling customer service. These cards make money by hoping you don't read the fine print.

Be careful about relying on these cards year after year. My cousin used Emerald Card for three years straight. Last year, they froze his account for "suspicious activity" when he tried to withdraw his full refund. Took 14 days to resolve. The company claimed it was for his protection, but he missed a car payment because of it. These companies aren't banks - they don't have the same regulations. Always have a backup plan for accessing your money.

If your DDD passes and you don't see the deposit, don't panic. Sometimes there are delays. I had to call the IRS when this happened to me (took FOREVER to get through). Found out later I could have used Claimyr.com to get past the hold times. My friend used it and got through to an IRS agent in like 15 minutes instead of spending hours on hold. Definitely worth it if you need to track down a missing deposit.

I've used Cash App for the last two tax seasons. They're actually faster than most banks with tax refunds. My DDD was the 18th last month, and I got it on the 16th. For SBPTG though, that's state-level and follows different timing. You should check your state's website for that payment schedule - they usually have a portal where you can track it.