How to Call Cross River Bank About IRS Refund Delays (5-7 Day Holds) - Direct Phone Number & What to Expect

Been dealing with Cross River Bank for my refund deposit and getting nowhere. After hours of research, I found out that they're having major processing delays with IRS deposits. Multiple people reporting 5-7 day holds instead of the usual 24-48 hours. Just wanted to share this info since I know lots of us are waiting. I finally found a way to contact them directly about my refund. You can call Cross River Bank (CRB) yourself at 877-552-7255. Press 1 for "All Other ACH Deposits" and then ask: "Can you confirm if you have my tax refund from the IRS, and when will it be sent to my personal bank?" IF YOU GET PUSH BACK, I pushed back and exercised my right to confirm where my federal refund was sent. The IRS is required to provide that information, and they told me directly that my refund was sent to Cross River Bank. Once I had that info, CRB confirmed they received it and gave me the expected timeline (1-3 business days). If they try to refuse, just insist that the IRS already provided the routing number, and you just need to confirm processing. What to Expect: - If CRB releases the money today, it could hit your bank by tomorrow (1/31). - If they take the full processing time, expect it by Saturday (2/1) or Tuesday (2/4). - Check your bank account daily-ACH transfers usually post overnight. Your money isn't lost, it's just processing. Hope this helps anyone else stuck in this frustrating situation!

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24 comments

Andre Dubois

•4M

Just wanted to add my experience - I was stuck in this same situation for 8 days and finally got my refund yesterday! The key thing that helped was being persistent with Cross River. I called that number (877-552-7255) every morning until I got someone who would actually look into my specific case. Don't let them brush you off with generic "processing time" responses. Ask them to check the specific status of YOUR deposit and get a timeline. Also keep checking your bank account multiple times a day - mine posted at like 2:30 AM on a Wednesday. Stay strong everyone, the money IS coming! 💪

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Reina Salazar

•3M

This is exactly what I needed to see! I'm on day 3 of waiting and was starting to get really anxious about where my refund went. Just called the number you provided (877-552-7255) and the rep confirmed they have my deposit - said it should release within 2-3 business days. She mentioned they're definitely experiencing higher than normal processing times due to increased fraud prevention measures. Really appreciate you taking the time to share the direct contact info and what to say. Saving this post for reference! 🙌

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Nora Brooks

•1M

Just wanted to add that I'm dealing with this exact same issue right now! On day 4 of waiting and called the number you provided - they confirmed they have my refund but couldn't give me an exact timeline beyond "within the next few business days." Super frustrating but at least I know it's not lost. Has anyone noticed if calling multiple times actually speeds up the process or should I just wait it out? Thanks for posting this info, definitely saved me hours of searching around! 🙏

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