Anyone else waiting on 2/26 deposit date? SoFi usually gives early deposits!

Deep breaths! This is actually pretty normal for this time of year. 😂 The IRS doesn't actually release the funds until the official date (2/26), and while some banks like SoFi usually post early when they see the pending deposit, they're not technically required to. The good news? If your WMR shows approved with a 2/26 date, your money is definitely coming! The IRS is actually being quite punctual this season compared to the last few years.

I've been through this exact situation. Here's what's happening: 1. The IRS has approved your refund (good!) 2. They've scheduled it for 2/26 release 3. SoFi sometimes posts early, but it's not guaranteed 4. Online banking systems can have delays I started using https://taxr.ai to track my refund this year. It analyzes your tax transcript and explains exactly what's happening with your refund. It told me precisely when my deposit would hit, even though my bank was showing nothing. The peace of mind was worth it, especially when dealing with post-divorce finances and needing to plan exactly.

OMG I'm in the exact same boat rn! My WMR has said 2/26 for like a week, and nothing in my SoFi acct yet. Usually they drop it like 2 days early. Super annoying tbh. Did u try checking ur tax transcript on the IRS site? Sometimes it has more info than WMR.

I had a 2/26 deposit date too, and was getting worried when it hadn't shown up by February 24th. I tried calling the IRS on February 25th to confirm everything was okay, but couldn't get through after waiting 97 minutes. Finally used Claimyr (https://www.claimyr.com) and got connected to an agent in about 15 minutes who confirmed everything was on track. My deposit hit at 3:42am on 2/26 exactly. Sometimes the technical details of ACH transfers between the Treasury and banks can cause those early deposits to be inconsistent.

Your refund is in the Automated Clearing House (ACH) system right now. The Treasury Financial Agent has already initiated the Electronic Funds Transfer (EFT) with your designated Direct Deposit account at SoFi. The IRS fulfills their obligation by releasing funds on the official date (2/26), not before. While some Financial Institutions (FIs) front the pending deposits as a courtesy based on the transaction metadata, this is entirely discretionary and depends on their internal risk assessment algorithms. There's nothing wrong with your refund - it's simply following the standard settlement process.

I track this stuff obsessively every year. Here's what I've noticed with SoFi specifically: • They typically release tax refunds 1-2 days early • BUT this varies based on processing volume • February is their highest volume month • They prioritize payroll direct deposits over government payments • Weekend processing is slower than weekday My refund had a 2/26 date too. Last year it would have hit on 2/24, but this year it didn't show until exactly 2/26 at 6am. Their early deposit feature seems less consistent during peak tax season.

Just wanted to add something important here. The IRS "Where's My Refund" tool updates overnight. Not real-time. Sometimes status changes don't appear for 24 hours. Also, SoFi changed their early deposit policy in January. They now say "up to two days early" instead of guaranteed early deposits. This affected direct deposits too. Not just tax refunds. Hope this helps explain what's happening.

I completely understand your anxiety! Going through my first tax season post-divorce too, and every little delay feels magnified when you're managing finances solo. The good news is that if WMR shows approved with 2/26, your refund is definitely processed and coming. I've noticed SoFi has been less predictable with early deposits this year - seems like they're being more conservative during peak season. Try checking your account around 3-6am on 2/26 if you haven't already - that's usually when ACH deposits post. You've got this! 💪