Have you double-checked that your address is current with the IRS? When they reissue as a paper check, it goes to the address on your return. If you've moved since filing, you might need to submit a change of address form. Also, did your preparer use the wrong routing number too, or just the account number?

OMG this happened to me last year and it was a NIGHTMARE! 😡 The bank rejected my deposit on the scheduled date, and then I had to wait nearly 6 WEEKS for a paper check! The IRS systems are so outdated that once the direct deposit is scheduled, there's literally NOTHING they can do to stop or correct it - even if you catch the error before the deposit date. I called multiple times and every agent told me the same thing - just wait for the rejection and automatic reprocessing. So frustrating when you need that money!!

Navy Federal can sometimes be slower with tax refunds compared to other banks like Chime or Cash App. My wife's refund hit her Cash App account a full 2 days before mine appeared at Navy Fed, even though we filed together and had the same DDD. The trace number is actually a good sign - it means the money is in transit somewhere. I'm a little concerned that we're seeing more of these delays this year than in previous tax seasons, though.

Have you checked if your refund amount matches what you were expecting? Sometimes when there's a discrepancy between the expected and actual refund amount, it can cause processing delays. Here's what I recommend: 1. First, verify the refund amount on the WMR tool matches what you calculated 2. Check if you have any existing debts that might trigger the Treasury Offset Program 3. Call Navy Federal specifically about ACH government deposits - ask if they see it pending in their system 4. If nothing by day 5 after your DDD, request a refund trace through the IRS Did the amount shown on WMR match what you were expecting to receive?

According to the IRS.gov FAQ section on Child Tax Credits, this situation is actually addressed! The website specifically notes that the advance payments go to the parent who claimed the child on the most recently filed and processed tax return, regardless of who will claim the child for the current year. I'm curious - have you checked the Child Tax Credit Update Portal on IRS.gov? It shows exactly how much you've received in advance payments, which would be helpful to know when figuring out what portion your ex would still be eligible to claim when filing.

I GOT AUDITED because of this exact thing!! My ex got the advance payments but refused to give me any of it even though it was MY YEAR to claim our daughter. When I filed and claimed the FULL amount (didn't know about the advance payments), the IRS flagged my return. Took 9 MONTHS to resolve and I had to pay back the portion my ex already received. Don't be like my ex - if it's his year to claim, either give him the money or make sure he knows exactly how much you received so he only claims the remaining amount.

This happened to me three weeks ago! I was checking my transcript obsessively because I needed the money for a car repair. The 846 appeared on a Thursday with no date, and I nearly panicked. Called the IRS first thing Friday morning and after 2 hours on hold, they confirmed everything was fine. The date showed up Saturday morning during their overnight update. Got my money the following Wednesday. Yours is probably already scheduled in their system!

Watch out for this situation! My friend had this happen and it turned out there was an offset he didn't know about. His refund was being garnished for old student loans. When the DDD finally appeared, it was for a much smaller amount. • Check if you have any outstanding federal or state debts • Verify if you have any unpaid child support • Look for any letters from Treasury Offset Program • Call the TOP hotline at 800-304-3107 Hopefully this isn't your situation, but better to check!

Just got mine too! Here's what worked for me: 1. Filed electronically on February 5th 2. Checked WMR daily until it showed approved 3. Downloaded my transcript when it updated 4. Verified my DDD matched the 846 code date 5. Received deposit exactly on DDD The system works when you follow each step precisely. So relieved to have this done with!

Wait, did you get the standard notification from Cash App? When mine came through last week, I didn't get the usual Cash App notification - just saw it appear in my balance. Apparently there's something different about how they process government deposits vs regular transfers.