Based on community reports this season, Five Star Credit Union typically posts IRS deposits between 7-10 AM on the scheduled DDD. However, if there's any discrepancy between the name on your tax return and your banking information, this could cause a delay or rejection. Have you confirmed that your name on the account matches exactly how it appears on your tax return? Post-divorce name changes can sometimes cause these issues.

Last year I had Five Star and my refund was supposed to hit on a Thursday. I kept checking all day - nothing. Called them Friday morning and they said they could see the pending deposit but their system had flagged it for "unusual activity" because it was larger than my normal deposits. Had to go to a branch with ID to get it released! Not saying that's happening to you, but if it doesn't show up by the day after your DDD, definitely call them directly.

Has anyone here actually had success getting through to their state tax department by phone? It's like trying to find water in a desert for me. I've been trying for weeks with my state (Illinois) and either get disconnected or told the wait time is over 2 hours.

Have you considered reaching out to your state representative or senator's office? Their constituent services can sometimes cut through red tape with state agencies. It's free and they often have direct contacts at the state tax department. Worked for me last year when my state refund was stuck for months.

Have you checked if your bank processes deposits on the weekend? Many banks receive the transfer from SBTPG but don't actually post it to your account until the next business day. Could that be what's happening here? And have you verified that the account information is correct in both your tax return and on the SBTPG website? Sometimes small discrepancies can cause delays that aren't immediately obvious.

This is way better than what happened with TurboTax last year. At least with Credit Karma you can see the SBTPG status. With TurboTax last year, I had zero visibility into where my money was for almost a week after my DDD. The waiting is frustrating, but from what I've seen across various tax forums, almost everyone gets their money within 72 hours of the funded status. Hang in there - it's coming!

If you're really concerned, I'd recommend calling the IRS directly to check on status. I spent 3 hours on hold last week before giving up, then someone told me about Claimyr (https://claimyr.com). Got connected to an actual IRS agent in about 30 minutes who confirmed my refund was approved and gave me the exact deposit date. Worth it for the peace of mind.

The offset line update is definitely a good sign, but the IRS systems don't always talk to each other in real-time. I've seen cases where the app was 3-4 days behind the actual status. If you filed with direct deposit, keep an eye on your bank account - you might see the deposit before the app even updates!

Have you checked your tax transcript instead of WMR? Sometimes the transcript updates before the WMR tool does. What filing method did you use? Did you claim any credits like EITC or CTC? When exactly did you file? Are you seeing any particular message on WMR or just the processing status?

The IRS Internal Revenue Manual section 21.4.1.3 actually specifies that normal processing time is 21 days, but can extend to 45 days without requiring explanation to taxpayers. We're seeing unprecedented delays this year despite their claims of improved processing. I've been tracking patterns on various forums, and it appears returns filed between February 7-21 are experiencing the longest delays, especially those with Schedule C or education credits. Try checking your account transcript rather than return transcript - it updates more frequently with current activity.