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.

Listen up - I worked at Jackson Hewitt in Florida for three tax seasons. DO NOT call their customer service about your refund timing. They have ZERO insight beyond what you can see yourself on the IRS Where's My Refund tool. They'll just tell you to be patient. Instead, create an account on the IRS website and check your transcript directly. This will show exactly where your return is in processing. Many Florida JH offices are franchises with different owners, so quality varies dramatically by location. Next year, consider filing yourself and save the $200+ they're charging you for basic data entry.

I'm surprised nobody's mentioned the Florida-specific processing issues this year! I was stuck waiting too until I tried these: • Check if you're affected by the PATH Act (this delays refunds with certain credits) • Request your tax transcript directly from IRS.gov • Use the "Where's My Refund" tool with your EXACT refund amount • Contact your local Taxpayer Advocate Service if it's been more than 21 days The Jackson Hewitt refund tracker is notoriously inaccurate compared to the official IRS tools. Who knew tax refunds could be this complicated?

Try checking your account details. Verify routing number. Confirm account number. Check for bank mergers. Look at transcript for code TC846. See if amount matches expected refund. Check for offsets. Verify filing status. Most deposits post by 5pm. Some banks delay until next business day. Hope this helps.

I believe most of us with today's DDD will probably see our deposits appear throughout the day, though I'd suggest not worrying too much until the end of banking hours. In previous years, my credit union has sometimes posted IRS deposits as late as 4pm, while my partner's bank typically posts around midday. The banking system seems to process these in waves rather than all at once.

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!

The PATH Act's impact on refund timing is often misunderstood. The mandatory hold only applies to returns with EITC or ACTC filed before mid-February. The delays April filers experience are due to normal processing queue dynamics. The IRS utilizes a Master File processing system that operates on weekly cycles. When you're assigned cycle code 20241605, the "05" indicates Friday processing, while "2024" is the year and "16" is the processing week. Many April filers receive cycle codes ending in 05, placing them in the Friday batch, which typically means refunds are issued the following Wednesday.

Just wanted to share my success story! Filed 4/5, WMR showed processing for 16 days, then suddenly updated to approved yesterday. Refund hit my account this morning! No special tricks - just patience. Check your bank accounts, fellow 0405ers!