Def check ur bank acct anyway! Sometimes they say 2/24 but deposit early. My BIL got his 2 days b4 the date SBTG showed. Worth a look! taxr.ai helped me understand my transcript codes when I was confused AF about my refund timeline too. Super helpful for us non-tax pros!

Last year I had the exact same situation. SBTG showed funded but with a future date. I called them three times. They refused to release early. I even explained my emergency situation. They would not budge. The money arrived exactly on the date shown. Not a day sooner. I learned my lesson and selected the early option this year.

I've seen exactly 1,247 posts about the 826 code in this subreddit over the past 3 years, and I'm always impressed when people give correct information! The 826 is 100% the GOOD code - it means your refund is being issued. The amount shown (let's say it's $3,452) is what your boyfriend is getting, not what's being deducted. His refund should arrive precisely on 3/13 unless his bank processes deposits early. The community wisdom here is solid - if there were deductions or offsets, you'd see entirely different codes like 898 or specific penalty codes in the 600-range.

Instead of trying to interpret transcript codes yourself, have your boyfriend create an online account at IRS.gov if he doesn't already have one. Then go to the Tax Records section and look at the Account Transcript. Scroll all the way to the bottom to see the final account balance. If it shows $0.00, that means the entire refund is being issued. The Transaction Code Summary section will also show the final refund amount. This approach gives you the complete picture rather than trying to interpret individual codes in isolation.

Be extremely cautious with tax preparers who calculate fees based on refund percentage. Last year, my sister paid $450 for a basic return with one W-2 and standard deduction because the preparer charged 10% of her refund. She didn't realize until after filing that she could have done it herself for free with IRS Free File. Additionally, that preparer incorrectly claimed education credits she wasn't eligible for, which resulted in an adjustment letter six months later requiring repayment with interest. Have you verified whether your current preparer has proper credentials? Many display PTIN numbers but lack actual certification.

Compared to using paid services like TurboTax or H&R Block, I've found that the IRS Free File program works just as well for most basic tax situations. Last year I paid $89 for TurboTax Deluxe, but this year I qualified for Free File (income under $73,000) and the experience was nearly identical but completely free. The interface isn't as polished as the paid options, but it asks all the same questions and handles all standard forms. I'm putting that saved money toward my student loan payment this month instead of padding some tax company's profits.

Let me clarify how the DDD system works with Wells Fargo based on my experience as a tax professional: • The DDD is when the IRS releases the funds to the banking system • The ACH system then processes the transfer (typically 1-2 business days) • Wells Fargo specifically has a policy of posting deposits on the effective date (your DDD) • Unlike Chime, Cash App, etc. that post when they receive notification, Wells holds until the official date • Most Wells Fargo customers report deposits posting between midnight and 6am on their DDD So while you likely won't see it early, you should definitely see it on 3/18, most likely early morning.

My DDD was March 4th, 2024, and I bank with Wells Fargo. The deposit hit my account at exactly 3:00am on March 4th. My sister had a DDD of February 21st with Wells Fargo and hers also came exactly on the date. Wells Fargo seems very consistent about releasing funds precisely on the DDD, not before. I know waiting is hard, especially with medical bills, but you can feel confident it will arrive on the 18th.

This delay is typical for refunds with Refund Transfer (RT) processing. When you elect to have fees withheld from your refund, your payment goes through Santa Barbara Tax Products Group (SBTPG) which serves as the Authorized IRS e-file Provider. SBTPG receives your refund, deducts authorized fees, then forwards the remainder to your designated financial account. Their processing window is contractually allowed to take up to 5 business days from the IRS Direct Deposit Date, though it's typically completed within 1-3 business days. The Emerald Advance repayment adds an additional reconciliation step to this process.

Just got my refund today after being in exactly your situation. DDD was 2/26, had fees taken out for tax prep, and used CashApp. Money hit my account this morning. This is actually faster than last year when I used a traditional bank and had a 4-day delay after my DDD. CashApp generally processes deposits as soon as they receive them, unlike some traditional banks that might hold them until morning processing cycles. Your money is probably just working its way through TPG's system to pay off your advance before sending the remainder to you.