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I've been waiting exactly 21 days for my tax refund to arrive. I bank with Pathways Bank for my small business and personal accounts. Is there a specific way to check for pending deposits with them? I need to verify if the IRS has initiated the transfer yet. My Where's My Refund status changed to 'sent' 3 days ago, but nothing is showing in my account. Need to plan cash flow for upcoming inventory purchase.
I'm seeking to identify other taxpayers in a similar processing situation. I submitted my return electronically on January 22, 2024, with IRS acceptance confirmation received on February 12. Current status: unable to access current year transcripts online, though I can successfully order 2020 documentation by mail. Where's My Refund tool displays first processing bar only. Has anyone else encountered this specific combination of circumstances? I'd appreciate information regarding timeline expectations or resolution experiences.
You're definitely not alone! I was in the exact same boat - it was like being stuck in tax purgatory. My return was like a letter dropped into a black hole - confirmation it was mailed but no idea where it went after that. Filed Jan 25, accepted Feb 14, and nothing but crickets until March 18. The transcript situation is actually a good sign - it's like the IRS computer system knows you exist but hasn't fully processed your paperwork yet. Mine suddenly updated all at once after about 5 weeks.
Just to clarify - being able to order previous years while current year shows N/A is completely normal during processing. The systems that handle transcript display vs. actual processing are separate.
Based on what I've seen in this community over the past few months, your situation follows a common pattern this tax season. Many filers from late January are experiencing extended processing times. Several factors might be influencing this: 1. The IRS implemented new verification protocols for 2023 returns 2. Returns with certain credits are taking longer to process 3. The transcript system updates separately from the WMR tool Most people in your situation are seeing movement around the 35-45 day mark. The inability to view current year transcripts while being able to access previous years is actually a normal part of the process - it indicates your return is in the system but hasn't completed initial verification yet.
I've been tracking my refund carefully after filing through Credit Karma (which is now part of TurboTax's ecosystem). Here's what I've done so far: 1. Filed my taxes on 2/25/2024 2. Received acceptance notification same day 3. WMR shows expected deposit date of 3/15 4. Checked my bank account today - nothing yet I'm trying to determine if this is normal or if there's something specific about Credit Karma/TurboTax processing that's different from other services. Has anyone else who used this platform received their deposit yet for the 3/15 date? I need to allocate these funds appropriately for my quarterly investment contributions.
Tbh I don't think any of these services actually help. IRS works on their own timeline no matter what. I've used CK, TT, and HR Block over the years and literally zero difference in processing time. It's all marketing. WMR and transcripts tell you everything you need to know w/o paying extra $$$. Just wait another biz day and you'll prob see your $.
I was in your exact situation yesterday. Deposit date of 3/15, nothing in my account all morning. I was about to post here when the money showed up at 3pm. Banks process ACH transfers throughout the day, not just at midnight. Give it until end of day before worrying. So glad I found this thread instead of stressing all day like I did!
Filed and accepted 1/23 through TurboTax. According to the IRS2Go app and WMR site it's still showing 'still processing' with no tax topic. I CAN NOT access my transcripts online (haven't been able to for years and have called multiple support lines with no help). I called the IRS yesterday after checking TaxAct's 'Where's My Refund' estimator and IRS's refund calculator, and the agent told me no letters or notices have been issued and that I'm just not processed yet. I'm so annoyed and confused! Has anyone else dealt with transcript access issues while waiting for processing? According to the IRS processing timeline on their website, I should have had movement by now. ๐ค Juggling kids' spring activities and bills - was really counting on this refund by now.
I had the exact same transcript access issue for 3 years straight. Filed on January 24th this year and couldn't access transcripts since 2021. Called the dedicated transcript hotline (different from the main IRS line) at 800-908-9946 exactly at 7:00am on a Tuesday, waited 42 minutes, and finally got it resolved. The agent explained that my account had a rare TC 971 action code with a -X freeze that was preventing transcript access but not affecting processing. Got my refund exactly 8 days after they fixed the transcript issue. Don't give up!
This tax season feels like being stuck in traffic with no GPS - you know you're on the right road, but have no idea when you'll arrive at your destination. I had a similar experience last year where I couldn't access transcripts and WMR was stuck. It turned out that my return was selected for a "silent audit" - they were verifying my education credits without telling me. The strange thing was, once I got through to an agent who could actually see what was happening, the issue was resolved within days. It's like the IRS is a massive library where only certain librarians know where specific books are shelved.
I e-filed on 2/26 with all the standard documentation and still no Direct Deposit Date or trace number showing up in the system. I've been monitoring my transcripts daily and checking WMR every 24 hours, but there's zero movement. Path Act isn't applicable since I didn't claim EITC or ACTC. The IRS acceptance confirmation came through immediately after filing. Trying to balance this tax monitoring with work and kids' activities is getting frustrating. Anyone else experiencing similar delays in the current processing cycle?
Did anyone have their return accepted but then have it disappear completely from WMR? Mine was accepted on 2/23 and showed the first bar for about a week, then suddenly nothing - just says "We cannot provide any information about your refund." Really freaking out!
Per IRS Publication 5192, the "We cannot provide any information" message occurs in several scenarios: (1) The system cannot match your identity verification information, (2) Your return is being processed in a different system than WMR checks, or (3) Your return has been selected for additional verification. This is not necessarily indicative of a problem with your return, but rather a limitation of the WMR system's integration with all IRS processing channels.
OMG I FEEL THIS SO MUCH! ๐ฉ I was in the exact same boat last year and was pulling my hair out checking WMR every morning. What finally worked for me was checking my transcript instead of relying on WMR. The transcript updated a full week before WMR did! I got my refund exactly 28 days after filing even though WMR never showed more than one bar until after the money was already in my account. Hang in there - the system is frustrating but it does work eventually! ๐ช
Sean O'Brien
Has anyone had experience with Pathways Bank's business accounts versus personal accounts? Do they process deposits differently? I'm wondering if having a business account might delay things or if they prioritize one type over another?
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Zara Shah
Word of caution: Pathways had a system glitch last tax season that was showing phantom pending deposits. Think of it like a mirage in the desert - you see water but it's not really there. Several customers (myself included) saw pending IRS deposits that later disappeared. The bank explained that their system was incorrectly flagging certain ACH identifier codes. If you see a pending deposit appear and then vanish, don't panic - call the bank directly and have them verify with their back-office processing department.
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