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I had this exact situation with Discover last month. Here's what happened: 1. WMR showed March 1st as my deposit date 2. TurboTax couldn't do their 5-day early thing for me 3. I still got my deposit on February 26th (3 days early) 4. Discover processed it early based on their standard policy Discover's early deposit feature works independently of TurboTax. They see the incoming ACH from the Treasury and process it early as they would with any direct deposit. You'll likely still get your money before the official date, just maybe not the full 5 days early.
Have you checked if your TurboTax fees were taken out of your refund? That's usually what causes this issue. If fees are deducted from your refund, it goes to a temporary account first, which can interfere with early deposit features. Most people here have found that Discover still deposits 2-3 days early in these cases, just not the full 5 days. So relieved when I figured this out last year after panicking about my refund!
Your timeline is normal. I filed February 20th. Got approved March 10th. DDD set for March 15th. Money appeared this morning. No delays. No issues. Straightforward W-2 income. No special credits. IRS is efficient with simple returns. Complex returns take longer. PATH Act credits cause delays. You're in good shape.
Think of the IRS processing system like traffic on a highway. Simple returns are like compact cars that zip through quickly, while complex returns with lots of forms and credits are like oversized trucks that need special handling and take longer. Your return was a compact car in light traffic, so you got through faster than the worst-case scenario they warn you about. Your medical expenses should be covered right on schedule, which I know is a huge relief when dealing with healthcare costs.
Are you using multi-factor authentication with your IRS account? The Secure Access framework they implemented last fiscal year has been causing authentication failures for many taxpayers, especially if your phone number or email has changed since initial registration. Have you tried the Get Transcript by Mail option as an interim solution?
I solved this exact problem last month! Here's what worked for me: ⢠Created a brand new IRS account (abandoned my old one) ⢠Used a different email address than before ⢠Made sure my name EXACTLY matched my tax return (including middle initial) ⢠Used a desktop computer (not mobile) ⢠Tried during early morning hours (system less busy) The transcript system is super picky about matching everything perfectly. One tiny mismatch and it locks you out with no helpful explanation.
I filed with TurboTax Free on February 3rd and got my refund on February 18th. Here's what I did step-by-step: 1. Filed electronically using TurboTax Free 2. Verified my return was accepted (not just submitted) 3. Checked WMR every 2-3 days 4. Saw the progress bar move to approved on day 12 5. Received direct deposit on day 15 I was surprised by how many verification steps the IRS seemed to add this year! My return was super simple too - just W-2 income, standard deduction, no credits.
I filed on January 29, 2024 using TurboTax Free and received my refund on February 12, 2024 - exactly 14 days later. My friend filed on February 15, 2024 with the paid version and is still waiting. I don't think the free vs. paid version makes any difference in processing time. The IRS doesn't even know which version you used since the data format is identical.
Dmitry Volkov
I made this exact mistake with FreeTaxUSA last year! The system doesn't catch that the routing and account numbers are identical during submission. My refund was rejected on the deposit date, then 19 days later I received a paper check in the mail. No need to do anything - the IRS handles it automatically. Have you checked your informed delivery from USPS to see if there's anything coming from the Treasury?
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StarSeeker
Just to clarify what happens technically: When the ACH transfer fails due to invalid routing/account info, the IRS system automatically flags your refund for paper check issuance. Unlike other tax issues that require amendments or forms, this process is handled entirely on their end. The timeline is typically 2-3 weeks longer than your original direct deposit date. For comparison, address changes require Form 8822, but banking errors are handled without any action from you.
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