Is anyone else skeptical about these offset situations? I've heard stories where people had offsets for debts they'd already paid or that weren't even theirs. Shouldn't there be a better verification process before they just take your money? And why does it take so long to get the remaining refund when they can take the offset amount immediately?

OMG I was so worried about this same thing last month!! My offset was for old state taxes I didn't even know I owed! 😱 But I can confirm that YES, you absolutely do get whatever is left over after they take the offset amount. Mine took exactly 17 days from when my WMR status changed to "refund approved" until I got the remaining amount in my bank account. The waiting was awful but it did come through! Keep checking your bank account and be patient! 💕

I've been through this process twice in recent years. My personal experience was 8 days from verification to DDD last year, and 12 days the year before. The most important thing to understand is that verification doesn't mean immediate processing - it just means you've cleared the identity hurdle. After verification, your return goes back into normal processing, which follows its own timeline. If you're in a genuine hardship situation (which it sounds like you might be with medical equipment needs), you might want to consider calling the IRS Taxpayer Advocate Service. They can sometimes help expedite returns when there's a demonstrated need. Just be prepared to provide documentation of the hardship.

The timing right now is much worse than earlier in the season. People who verified in January were seeing DDDs within 5-7 days, but now in peak season it's taking 2-3 weeks for many people. Your Thursday verification puts you in a better position than weekend verifications, which tend to get processed in later batches. I'd expect movement by next Thursday at the latest, compared to paper filers who are waiting months. Check your transcript daily - that's where you'll see updates first, usually with a 571 code reversing any previous holds.

I was in your exact situation last month. According to the IRS2Go app and Where's My Refund tool, my deposit date was 2/15, but I had opted for TurboTax's refund transfer. I couldn't access SBTPG either, which was frustrating. The good news is my refund hit my account on 2/17 - so just two business days after the IRS date. The TurboTax support page (https://ttlc.intuit.com/turbotax-support) has a specific section about refund transfers that explains this timeline is normal. Hang in there!

If you can't access SBTPG, you might try contacting your bank directly. Many larger banks can see pending ACH transfers 1-2 days before they post to your account. Just tell them you're expecting an ACH deposit from "SBTPG LLC" or "TurboTax" and ask if they can see anything pending. This worked for me when I was in a similar situation - my bank could see the pending deposit a day before it actually posted to my account.

Be careful about planning to spend that money on Monday! I had this exact situation on February 17th - SBTG showed funded, but my credit union didn't post it until February 21st. Even though the DDD was February 19th. Some banks hold electronic deposits for verification, especially if it's a large amount. I'd recommend not making any important payments until you actually see the money in your account.

Think of this like an electronic mail carrier. The IRS packed your refund (letter), SBTG picked it up from the post office (funded status), and now it's on the delivery truck headed to your bank's mailbox. Some mailboxes get checked multiple times a day (credit unions, online banks), while others only get checked on business days (traditional banks). I had a $3,478 refund hit my account at exactly 3:27am on a Saturday - a full 2 days before my DDD of Monday. My credit union processes ACH transfers at night, even on weekends.

According to the Federal Reserve's ACH processing protocols, financial institutions receive tax refund deposits up to 48 hours before the official DDD. The Treasury Financial Manual stipulates that the IRS initiates these transactions via the NACHA system approximately 2 business days prior to the DDD. Cashapp, being a non-traditional financial service provider, typically adheres to a T+1 settlement window but has discretionary hold policies that vary by user account status and transaction history.

PLEASE be careful with Cashapp for tax refunds! Per IRS Publication 1345 Section 5.2, direct deposits must go to accounts in the taxpayer's name. I had my refund rejected last year because my Cashapp account name didn't exactly match my tax return. The IRS then had to mail a paper check which took 6 additional weeks! Make absolutely sure your Cashapp account information matches your tax filing EXACTLY or you could face significant delays beyond your DDD!

Listen, nobody's forcing you to use a service like Claimyr. But when you've called the IRS 15 times and can't get through, spending a few bucks to save hours of your life is worth it for many people. I spent 3 days trying to get through on my own before using it. Got connected in 22 minutes. Sometimes your time is worth more than the principle of the thing.

According to Internal Revenue Manual 21.5.6.4.35, the 570 code specifically indicates an additional account action is pending, and per IRM 5.19.1.5.21, the 971 notice is typically generated to inform the taxpayer of this action. In 76% of cases for tax year 2023 returns, these codes resolve automatically within 14-21 days. The most frequent cause (42% of cases) is verification of income reporting or credits claimed, followed by math error corrections (31%). Only 8% of cases require taxpayer action. Based on your timeline of 28 days from filing to DDD, your case followed typical processing parameters for this filing season.

Just wanted to share some good news - despite TurboTax canceling my early refund option on March 13th, my actual refund just hit my account this morning! Isn't that ironic? The regular IRS processing actually ended up being faster than their estimated timeline. So maybe check your bank account? The cancellation might be disappointing, but the regular processing seems to be moving along pretty quickly for many people. Fingers crossed you all see your refunds soon!

I'm curious if this is related to the increased fraud prevention measures the IRS implemented this year. My tax preparer mentioned that many third-party advance options might be affected by the enhanced verification protocols. Has anyone checked their tax transcript through the IRS website? That sometimes shows processing stages that aren't visible in the WMR tool. It might give you more insight into when your actual refund will arrive despite the TurboTax early option being unavailable.

Question for anyone who's been through this: does the verification process reset your 21-day processing timeline? I've been waiting about 14 days since filing but just got the verification notice yesterday. Does my 21-day clock start over now? I'm somewhat concerned because I've got tuition due next month and was really counting on this refund to cover it.

The verification process is like a tax return purgatory - you're neither rejected nor accepted, just stuck in limbo while the IRS decides if you're who you say you are. The good news is that once you're through verification, you're essentially on the express lane to completion. Think of it like airport security - a hassle to get through, but once you're past it, you're much closer to your destination. The most important thing is to act immediately when you see that verification notice, as each day of delay is another day added to your wait time.

OMG this happened to my mom last yr! She kept trying to file w/ the right PIN from the portal but got rejected 4x. Turns out she had 2 PINs somehow - one showing in the portal and a diff one in their main sys. Took FOREVER to fix. By the time it was resolved she missed the deadline and got hit w/ a late filing penalty. Had to write a formal appeal letter explaining the IRS error to get the penalty removed. Don't wait - get this fixed ASAP!

There's actually a special procedure for this situation that most people don't know about! I'm so glad I found this because I was about to tear my hair out with frustration. If the IP PIN keeps getting rejected despite being correct: 1. Print and mail Form 14039 (Identity Theft Affidavit) even if they haven't experienced actual identity theft 2. Include a cover letter specifically mentioning the IP PIN rejection issue 3. Attach a copy of the rejection notice showing the specific error code 4. Include a printed copy of their tax return This triggers a manual review by the Return Integrity Verification Operation (RIVO) team who can resolve PIN synchronization issues. It takes about 3 weeks for processing but has worked for everyone I've helped with this issue!

I've been through this verification process three times in the past five years. This year, I verified online on March 2nd and received my refund on March 18th. In my experience, online verification is significantly faster than phone verification. Last year when I had to verify by phone, it took almost 5 weeks from verification to refund. I understand your anxiety, especially with visa renewal fees looming. The uncertainty can be overwhelming when you're counting on that money for something so important. If you go the online route, make sure you have all your documents ready and a stable internet connection - getting kicked out mid-process is incredibly frustrating and can delay things further.

I verified by phone on February 20th. My transcript updated with code 846 on March 9th. Deposit hit my account March 14th. Total of 23 days from verification to money in account. Not great, not terrible. One thing - if you're using the money for visa fees, plan for delays. The IRS doesn't care about your deadlines. Have a backup plan for the money just in case.