Have you checked if Credit Human has any specific policies about tax refunds? Some banks place longer holds on government checks, especially for larger amounts. Did you receive any notifications from them about a hold? Also, is this a new account with them or have you received refunds there before without issues?

I'm with Credit Human too and had my DDD on 2/25 - still nothing as of this morning! Called them yesterday and the rep said they're seeing some delays with tax refunds this year due to "increased verification protocols." She couldn't give me a specific timeline but said to expect it within 2-3 more business days. Really frustrating when you're trying to budget for the month ahead, especially with kids! At least we know we're not alone in this - seems like Credit Human is just being extra cautious this tax season.

Here's a step-by-step guide to finding your Direct Deposit Date on your transcript: 1. Log into your IRS account at irs.gov/account 2. Select "Get Transcript Online" 3. Choose "Account Transcript" for the current tax year 4. Download the PDF 5. Look for Transaction Codes in the middle section 6. Find code "846 - Refund Issued" 7. The date next to this code is your DDD If you don't see code 846 yet, your refund hasn't been scheduled. The most common reason for this is that your return is still processing. The technical explanation is that the Refund Processing Pipeline must complete all verification steps before a TC 846 can be generated in the Master File Account database.

Just wanted to add that if you're checking your transcript frequently (like many of us do during tax season!), the IRS typically updates transcripts overnight Monday through Friday. So if you don't see any changes today, check back tomorrow morning. Also, keep in mind that even after you see the 846 code with your direct deposit date, it can take 1-2 business days for the funds to actually appear in your account depending on your bank's processing times. I've learned this from experience - saw my DDD on a Friday transcript but didn't get the deposit until the following Tuesday because of the weekend.

Direct answer to your question. Yes, CTC will be offset. No exceptions for child support debt. Happens automatically. No appeal stops the process. Only remedy is Form 8379 if you're not responsible. Act now. Check offset status immediately. Contact state child support agency today. Request payment history. Verify all payments credited properly. Don't wait until refund disappears.

I want to add a crucial detail that many people miss - the offset happens at the federal level BEFORE the IRS even processes your return completely. This means you won't see the money hit your account and then disappear - it gets intercepted during processing. I found this out when I was tracking my refund status and it showed "offset" immediately. Also, if you're subject to offset, consider adjusting your W-4 to reduce overwithholding so you don't give the government an interest-free loan that just gets taken anyway. For non-refundable portions of credits, you can't get more back than you owe in taxes, but refundable credits like CTC are still vulnerable to offset even if you have zero tax liability. The key is knowing your status before filing - don't wait until after to find out you're in the system.

This is my 3rd year as a tax preparer and this question comes up all the time. Here's the deal: The IRS processes refunds and sends them out basically 24/7. But if you chose to have your tax preparation fees taken out of your refund, you added a middleman (usually SBTPG). They receive your refund from the IRS, deduct the fees you owe, and then forward the rest to you. SBTPG only processes these transfers once per day at 2:30 PM Pacific. This is purely their business decision and has nothing to do with the IRS.

This is so frustrating! I had the exact same experience with SBTPG last year. What made it worse is that I could see on the IRS "Where's My Refund" tool that my refund had already been sent out, but then I had to wait another full day for SBTPG to process it at their arbitrary 2:30 PM cutoff time. It's like they're holding your own money hostage! The worst part is realizing you're paying extra fees for this "convenience" when direct deposit would have been faster and free. I'm definitely paying my tax prep fees upfront next year and skipping all these third-party processors. The 1-2 hour processing delay they mention can easily turn into 24+ hours if the IRS sends your refund after their daily cutoff time. Hang in there - once SBTPG processes it, the money should hit your account pretty quickly after that!

The where's my refund tool is useless rn. Just says processing since January smh

I feel your frustration! Based on my experience, "mid-February" for PATH Act returns typically means February 15th is the earliest possible date, but most people see their refunds hit accounts between Feb 15-27. The IRS has to hold EITC and ACTC refunds by law until at least mid-February to prevent fraud. I'd recommend checking your transcript on the IRS website - it'll show your actual refund date (code 846) once it's scheduled. Hang in there, you should see movement soon!