Will Credit Karma notify you? I'm waiting too. Got same codes. Need to know when to check.

The TC 846 (Refund Issued) with date 02/26/2025 is your official refund release date. The TC 150 processing date of 03/10/2025 is merely administrative and doesn't affect your direct deposit timing. Credit Karma specifically doesn't offer true "early deposit" like some neobanks - they simply make funds available immediately upon receipt from the Treasury. Your deposit should post on 2/26 or possibly on 2/25 depending on when the Federal Reserve processes the ACH batch.

I received my refund with a DDD of 2/21 through Chime using the TurboTax early deposit feature. The ACH transfer from Treasury showed as pending in my Chime account approximately 30 hours before the official DDD. Based on the ACH processing schedule, deposits initiated on Monday (2/26) would typically complete by Wednesday (2/28), which aligns with your official DDD. The 5-day early feature doesn't accelerate the IRS release - it only expedites TurboTax's handling once they receive it. Your deposit is likely still in the standard ACH processing window and should post by your official DDD.

Be careful with these "early" deposit features. Last year I paid for a similar service with a different tax preparer and ended up getting my refund on exactly the same day as my friend who didn't pay extra. When I compared it to my previous years' refunds, I realized I would have gotten it on the same day anyway based on my DDD. These companies know most people don't track the exact timing year after year, so they can claim their service "worked" when really it's just the normal timing.

I've been seeing this issue all over the tax forums lately! So many people with DDDs this week are having the same SBTPG problem. It seems like they're having some kind of system-wide delay in updating accounts. I'd be worried too if it were me, especially since this is your first time filing jointly! But from what everyone's saying, it should still arrive on time even if their system never updates. Does anyone know if SBTPG is having technical issues right now?

Have you tried these alternatives to checking SBTPG? • Check your IRS transcript for the 846 code (that confirms the refund is actually being sent) • Call your bank to see if there's any pending deposit • Look at the actual bank account that will receive the deposit (sometimes it posts early) • Check the IRS2Go app which sometimes updates when the website doesn't Many people focus only on SBTPG but there are multiple ways to track your refund's progress!

Tbh I don't think SBTPG is being straight w/ us. My refund hit SBTPG on Tues morning and they didn't release til Thurs afternoon. That's way longer than the 24hrs they claim. IMO they're holding our $$ to make interest. Next yr I'm def not paying fees from my refund - gonna pay upfront so I can avoid SBTPG completely.

Has anyone actually received their money faster from SBTPG? I keep seeing complaints but wonder if there are success stories too. I've been looking at their BBB page and the complaints are pretty consistent about the delays. But are these just the vocal minority?

The Direct Deposit Advance feature you're referring to is typically for recurring payroll deposits, not necessarily for tax refunds. ACH transfers from the Treasury Department follow different protocols than standard direct deposits. While some Cash App users report receiving their tax refunds before the 846 date, this functionality isn't explicitly guaranteed for non-recurring deposits like tax refunds. The Treasury Department's fiscal transfer algorithms may also implement specific release timing for tax season transactions.

Have you considered what the 846 code actually means in this process? It's simply the IRS saying "we've approved your refund and scheduled it." The money doesn't instantly move at that moment. What typically happens is the Treasury sends these in batches to the ACH network, which then distributes to financial institutions. Cash App's advantage is they don't wait for final settlement before showing the money in your account. I filed on January 15th and had an 846 date of February 3rd. The money appeared in my Cash App on February 1st around 2pm. But would I make financial plans assuming this will happen? Probably not. Is an extra day or two worth risking an important investment decision? That's the real question you should be asking.

How many years exactly do you have unfiled? Are you expecting to owe on those previous returns or receive refunds? Does your transcript show code 570 (refund hold) or code 971 (notice issued)?

You know what's interesting about this situation? The IRS actually has a right to hold your current refund against prior year liabilities. But what if you don't actually owe anything for those prior years? What if you were due refunds? You might be thinking "I don't need to file because I'd get money back" but there's a 3-year statute of limitations on claiming refunds. So you might want to calculate if you're actually due money from those unfiled years before they expire. The IRS won't remind you to claim your refunds before they expire, will they?

The whole "early deposit" thing with these online banks is like a restaurant promising your food will arrive in 30 minutes but it might be 15 or it might be 45. It's not an exact science! I've been watching the tax refund groups on Facebook like a hawk, and it seems like Chime is being particularly inconsistent this year. Some people got theirs 2 days early, some 1 day, and others (like you and me) right on the DDD. I'm a bit worried about next year now...

I've been using Chime for three years now, and their early deposit feature has become less reliable with tax refunds specifically. Last year, my paycheck consistently came 2 days early, but my tax refund came exactly on the DDD. This year, same thing - paycheck early, tax refund right on time. When I called Chime about it, they explained that IRS deposits are processed differently than regular payroll deposits. They can only release funds early when the sending institution (IRS) provides certain pre-release information, which apparently the IRS doesn't always do consistently.

I've been through this exact situation and got my money without any issues! Want to know the secret? The IRS actually has a well-established process for handling rejected direct deposits. When your bank rejects the deposit, the IRS automatically converts it to a paper check. Isn't it reassuring that they have a backup system in place? I was worried sick just like you, but my check arrived about 3 weeks after the rejection. Have you confirmed with your bank exactly what will happen if a government payment hits your account while it's on hold? Some banks actually have special procedures for government deposits versus regular deposits.

According to IRS Internal Revenue Manual 21.4.1.4.7, when a direct deposit is rejected, the IRS will automatically reissue as a paper check to the address on your most recently filed return. Treasury Regulation 301.6402-2 further clarifies that refunds remain the property of the taxpayer even when delivery methods fail. Your refund will not be forfeited. The reissuance process typically takes 2-4 weeks from the date of rejection. If your bank account is on administrative hold rather than closed, contact your bank immediately as they may have specific procedures for government deposits.

Has anyone considered that both dates might be technically correct in different contexts? I'm worried about planning around the wrong date. In my case last year, my transcript showed March 15, but my credit union actually posted the funds on March 13. Is it possible the TurboTax date is accounting for your bank's typical early release policy? What bank do you use? Some are known to release IRS funds early.

Here's a step-by-step explanation of what's happening: 1. The IRS processes your return and assigns a Direct Deposit Date (2/25) 2. This date is recorded on your transcript as the OFFICIAL date 3. The IRS sends this information to TurboTax 4. TurboTax applies their own algorithm to estimate when you'll ACTUALLY see the money 5. TurboTax displays their estimated date (2/21) 6. Your bank receives the ACH instruction with the official date 7. Your bank decides whether to release funds early or wait until the official date Bottom line: The transcript date (2/25) is the guaranteed date. You MIGHT get it earlier if your bank processes ACH deposits ahead of schedule, which is what TurboTax is betting on with their 2/21 date.

As someone who's been filing taxes for 15+ years (and overthinking every aspect of it 😅), here's what the community consensus seems to be about these 570 codes: 1. They're much more common than in previous years 2. Most resolve automatically within 2-4 weeks 3. They often affect early filers who claim credits 4. Weekly cycle codes (ending in 05) update on Thursday nights 5. Daily cycle codes update throughout the week The key is patience, as frustrating as that sounds. About 80% of these holds clear up on their own. The other 20% might need a call to the IRS, but I'd wait at least 21 days from your processing date before spending hours trying to reach them.

Everyone's suggesting waiting or calling, but there's another option worth considering. File Form 911 (Request for Taxpayer Advocate Service Assistance) if this delay is causing actual financial hardship. The criteria for "hardship" include inability to pay for necessities, potential negative impact on credit rating, or immediate threat of adverse action. The IRS's internal processing metrics indicate that returns with 570 codes are taking an average of 31 days to resolve this tax season versus 21 days in previous years. This is likely due to increased fraud prevention protocols implemented after the pandemic-related fraud surge. Sometimes you need to escalate beyond the normal channels to get resolution.