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Try checking your account transcript on the IRS website. It will show if they issued a direct deposit and to what account number (last 4 digits). You'll be able to see if they sent it to the wrong account or if it was never issued in the first place.
Great advice! The transcript shows WAY more info than Where's My Refund ever does.
THIS IS WHY I ALWAYS GET A PAPER CHECK! Yes it takes longer but at least I can track it with informed delivery and there's no bank issues to worry about. The direct deposit system is broken.
Have you checked your account transcript? Does it show a code 846 with a date of 2/28? If yes, you will most likely get it today. If it shows a different date or no 846 code at all, then something else is going on. The WMR tool is notoriously inaccurate and days behind the actual transcript. Also, double check that you entered your direct deposit info correctly when you filed.
You can get your transcript at irs.gov/transcripts but you need to verify your identity. The 846 code means "refund issued" and will have a date next to it. That's the official date they sent the money. Most banks including Chime sometimes deposit early but they're not required to - they can hold it until the official date.
UPDATE: my refund just hit my chime account! DDD was 2/28 and it came exactly on 2/28 at 3:42pm eastern. Hope everyone else gets theirs soon!
Hey just a heads up - check that your bank account info is correct on your return! Last year I had the right account number but accidentally transposed two digits in the routing number. The IRS caught it but it delayed my refund by 3 weeks. You can verify this info on your transcript.
SoFi customer here. My experience is that they're actually NOT consistent with the early deposit thing for tax refunds specifically. Regular paychecks? Yes. Government payments? Hit or miss. Last year my fed refund came exactly on the DDD, not early.
That's good to know! Their marketing makes it sound like ALL direct deposits come early but I guess that's not the case.
This is the worst IRS filing season I can remember. Return took forever to process, transcripts gave no useful info, couldn't reach anyone by phone... until I found claimyr.com. Got through to an agent who explained my refund was delayed because they were verifying some info from my W-2. She pushed it through while I was on the phone with her and my DDD showed up the very next day. Talking to an agent was the only thing that actually fixed my problem.
Just an FYI to anyone getting state refunds - each state has completely different processing timelines. My federal took 3 weeks but North Carolina state took over 2 months. Some states are quick (California, Illinois seem pretty fast this year) while others are horrible (looking at you, New York and Hawaii with 4+ month waits). Check your state's tax website for their current processing times.
Colorado is taking FOREVER this year too. Still waiting since March š
Butch Sledgehammer
Meanwhile, I owed $312 in taxes this year and they cashed that check within 3 DAYS of receiving it. Funny how that works! They sure don't have any delays processing payments TO them... š
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Leslie Parker
ā¢And they charge interest and penalties if you're even one day late paying them. But they can hold our refunds for months with no consequences!
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Sergio Neal
ā¢FACTS! šÆ
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Savanna Franklin
McDonald's and coffee treats sound awesome! I always use part of my refund to do something special for my kids too. This year we're planning a small weekend getaway once our refund (finally) arrives. Filed in April and still waiting... š¤”
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