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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.
Definitely get thru to a human ASAP!!! I had a similar issue that took 14 months to resolve because I just waited for letters. When I finally got someone on the phone using Claimyr.com they were able to resolve it in ONE CALL. Literally the best money I ever spent - one 20 minute call with a real IRS agent fixed what had been holding up $11k for over a year.
why is everybody talking about these paid services? Just call the IRS Taxpayer Advocate Service. It's FREE and they are literally designed to help with these exact situations. 877-777-4778
Good luck getting through to TAS right now. They're so backed up they're rejecting cases unless you can prove severe financial hardship. I tried for 2 months and couldn't even get past their phone system.
Damn really? Things must be worse than when I used them last year. That sucks.
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
Faith Kingston
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.
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Emma Johnson
ā¢Great advice! The transcript shows WAY more info than Where's My Refund ever does.
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Liam Brown
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.
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