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?

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.

Did you file on February 26th electronically or by paper? On March 15th, the IRS announced extended processing times for certain returns. Have you checked if your bank account information was entered correctly when you filed?

I tracked 43 returns this season for my family and clients. The average wait time was 24 days for simple returns and 37 days for returns with credits. 100% of returns with EITC filed before March 1st took at least 35 days. 12 returns had exactly your timeline (filed last week of February) and 9 of them received refunds between April 12-19. The other 3 had verification holds.

Def don't panic about this sitch. IRS is way more reasonable than ppl think when you're proactive. IMO, start w/ the most recent yr (2023) and work backwards. The IRS is actually pretty chill about unfiled returns when refunds are due - they're not gonna come after you for $ they owe YOU, yk? Just make sure you keep copies of EVERYTHING and send returns via certified mail so you have proof of when you filed. Good luck w/ the post-divorce tax cleanup! 👍

Let me share what happened to my brother-in-law in a similar situation: Step 1: He ignored 5 years of unfiled taxes Step 2: He assumed he'd get refunds for all years Step 3: When he finally filed, he discovered he had self-employment income he'd forgotten about Step 4: Instead of refunds, he owed $17,000 plus penalties Step 5: The IRS put a lien on his house Don't assume you know the outcome! Get your wage and income transcripts FIRST, then file accurately. The IRS has a 10-year collection window, and they WILL find you eventually. I'm not trying to scare you, but being realistic about what can happen.

I went through the Manual Review Process for an amended return last month and it was a nightmare. The IRS Taxpayer Protection Program flagged my amendment because it involved dependent credits. I spent three days trying to reach an agent using the regular channels. When I finally connected, they told me my amendment was selected for Additional Verification Protocol which requires a live representative to confirm dependent eligibility criteria. Just be prepared - they may ask for documentation you don't have on hand, which could cause further delays in processing.

From what I've seen in this community, it's probably, in most cases, just a verification call. They might, potentially, need to confirm your daughter's information since the amendment specifically involves the Child Tax Credit. It seems like they're being more thorough with credit-related amendments this year. I'd suggest having not just your return but possibly your daughter's social security card and birth certificate information available when you call. The good news is that once you get through, these calls are usually fairly quick, though I wouldn't necessarily count on a simple process.