I work with tax preparation, and this has been increasingly common during the 2024 filing season. As of March 7th, we've seen approximately 15% more paper check conversions than last year. The IRS implemented new fraud detection measures on January 29th that specifically target direct deposits with certain characteristics. If your return was processed after February 15th, it likely went through these enhanced filters. While frustrating, it's actually a good sign - it means your return was processed successfully, just with a different delivery method.

I experienced this exact scenario last month. Filed on January 28th, WMR showed accepted, then suddenly switched to "check being mailed" on February 17th. Transcript showed TC 846 with a paper check indicator. My check arrived exactly 6 business days after the mail date. USPS informed delivery showed it coming. No explanation from IRS for the switch despite using the same bank account for 5 consecutive years.

Has anyone noticed if using TurboTax with SBTPG is slower than filing directly with the IRS and getting your refund sent straight to your bank? This is my third year using TT but first time having the fees taken out of my refund. Wondering if that's why it seems to be taking longer compared to previous years?

Success! Just checked my account and my refund landed exactly 28 hours after my SBTPG status changed to funded. I have a DDD of 3/24, didn't pay for early deposit, and used a regional credit union. The refund amount was exactly $4,378.23 after TT took their $89.99 fee. Worth checking your SBTPG account - mine updated before my bank showed any pending deposits.

SBTPG usually updates super fast IMO. Most ppl in the tax forums report seeing updates within 24hrs of transcript 846 code appearing. But here's the thing - TT rejecting you for an advance is def a red flag. Even if nothing shows on offset line, could be other issues like ID verify, review hold, or credit eligibility probs. The system knows stuff before it shows up on your transcript sometimes. FWIW, check cycle code on transcript when it updates - if it ends in 05, that's a weekly update cycle and might take a bit longer for everything to process thru SBTPG.

Don't bother with SBTPG's website. It's notoriously unreliable. Call them directly at their customer service line instead. Their website can lag behind by days, but the phone reps can see if they've received the funds in real-time. I did this last year and found out my refund was already processing even though the website showed nothing. TurboTax's advance rejection is a separate issue - their algorithm is extremely conservative this year due to increased fraud concerns. Focus on tracking the actual refund through IRS sources instead of relying on TurboTax or SBTPG's systems.

Bank processing times vary. Credit Karma isn't at fault here. The IRS releases funds on schedule. Financial institutions process them differently. Some are faster than others. Credit Karma's early deposit feature works when possible. Not a guarantee. Just a potential benefit.

Here's what might be happening with your refund: 1. The IRS has approved your refund and set 2/24 as the release date 2. The Treasury Financial Management Service actually issues the payment 3. The payment goes through the Automated Clearing House (ACH) network 4. Credit Karma receives the payment notification 5. Credit Karma processes it into your account Each step can take 24-48 hours, especially during peak tax season. Your refund is likely just moving through this pipeline and should appear soon.

I tracked this exact process last month. From 'funded' status to money in my account took exactly 53 hours and 17 minutes. SBTPG received my $3,842 refund on Tuesday at 9:14am, and it was deposited in my bank account on Thursday at 2:31pm. The SBTPG portal never updated beyond 'funded' - it stayed that way even after I had the money. My bank showed it as pending for about 12 hours before it was available.

SBTPG is just sitting on your money making interest. They got your refund from the IRS but haven't sent it to your bank yet. When mine said funded last month, it took 3 more days to hit my account. They never update the status to tell you when they actually send it out. Just keep checking your bank account, not the SBTPG site.

Isn't it strange how something as simple as receiving your own money back becomes so complicated? I called SoFi customer service yesterday about this exact issue. They claimed the routing number problems from 2023 are resolved, but couldn't they have proactively notified customers? They told me to verify my account and routing numbers are exactly what appears in my SoFi app under "Direct Deposit" section.

This issue stems from the Automated Clearing House (ACH) network protocols and how newer financial technology platforms integrate with legacy government systems. SoFi utilizes partner banks for certain transaction types, which can create routing complexities. The IRS Electronic Federal Tax Payment System (EFTPS) occasionally flags these transactions as anomalous due to intermediary processing. For tax year 2023 (filing in 2024), SoFi implemented RFC-8252 compliant verification which should resolve most of these issues. However, there's a technical distinction between their Money accounts and Checking/Savings accounts that affects how deposits are processed. I recommend verifying which specific SoFi account type you're using and confirming the correct routing number for that specific account type.

I got mine! Filed through Credit Karma/TurboTax on January 31st with DDD of 2/21 and it hit my account exactly on that date. Did you pay for the filing service using your refund? Did you opt for any advances? I'm wondering if there might be something specific about your filing that's causing the delay?

Success story here! Filed through Credit Karma on Feb 1, had a DDD of 2/24 (same as you), and it actually showed up early on 2/23! According to https://www.irs.gov/refunds, deposits can take 1-5 days to process through the banking system after the IRS releases them. I was surprised to learn from the IRS Refund FAQ that even though they give a specific date, it's really more of a "release date" than a guaranteed deposit date. The banking system has its own timeline that the IRS can't control.

Check your bank account. Not WMR. Many people get deposits before WMR updates. Transcript is more accurate. PATH delays are ending now. Most refunds process within 21 days. Your 2/26 date is probably correct. IRS systems don't talk to each other well.

I filed on January 29th, 2024. Transcript updated February 14th. WMR still showed first bar on February 17th. Deposit hit my account on February 19th at 3:17am. WMR finally updated on February 21st. The PATH Act verification process creates these gaps in updating. Don't trust WMR - it's notoriously behind actual processing.

I'm not convinced amending is worth it if it's truly a small amount. The IRS has a materiality threshold they don't publicly disclose. They're not going to chase down every $50 discrepancy. Cost-benefit analysis, people! The processing centers are still backed up from the pandemic era. Your amendment might sit in a pile for 6+ months. But hey, if you can't sleep at night knowing you're technically not in compliance, by all means file that 1040-X. 😴

I've been through this amendment process twice before. First time was back in 2019 when I forgot a small 1099. Second time was in 2022 with a missing W2 from a temp job. Both times I waited until after receiving my original refund, then filed the 1040-X. I'm slightly worried for you because the IRS seems to be more aggressive with matching programs lately, so I'd definitely recommend amending rather than hoping they don't notice.

OMG you actually got lucky!!! 😮 I had to go through the WHOLE identity verification nightmare last year and they made me wait for the letter, schedule an appointment, drive to the office, wait in line... took FOREVER! The fact that they just did it over the phone is AMAZING! Here's what happens next: your return gets released from the verification hold (usually within 24-48 hours), then enters normal processing. Your transcript will update first (usually within a week), then WMR will change to approved, and then you'll get your refund! The whole process after verification usually takes 7-14 days but can be faster. I'm so happy you didn't have to go through the in-person verification hell! 🎉

I believe you might see movement very soon... The IRS seems to be processing ID verification cases faster this year than in previous years. While I'm not 100% certain, I've noticed that many people who verify their identity are seeing updates to their transcripts within about a week, sometimes even faster. Just make sure to keep checking both WMR and your transcript, as sometimes one updates before the other.