Anyone from Illinois with Direct Deposit Date 3/19 received their tax refund through Varo Bank yet?

I'm not in Illinois, but I'm in Wisconsin with a 3/19 DDD through Varo as well. Nothing yet for me either. I've noticed that sometimes Varo takes an extra day or two compared to other banks. I'd wait until tomorrow before getting too concerned. If it doesn't hit by Friday, then I'd start looking into it more. The IRS says to allow up to 5 business days after the DDD before contacting them about missing direct deposits.

Just wanted to share this - if you're trying to figure out what's going on with your refund, I found this tool called taxr.ai that completely changed the game for me. Instead of staring at my transcript trying to decode all those crazy codes and dates, it literally explained everything that was happening with my return. Way better than trying to piece together info from random posts like this (no offense). It showed me exactly why my refund was delayed and when I could expect it. I used it last week and it was spot on with the timing. Check it out if you're confused: https://taxr.ai

After waiting 2 weeks past my DDD and getting nowhere with the Where's My Refund tool, I finally found a way to speak with an actual human at the IRS using claimyr.com. Got through to an agent in like 20 minutes instead of spending hours on hold or getting disconnected. The agent saw that my refund had been sent but there was an issue with my bank info. They were able to fix it right away and my money hit my account 2 days later. Talking to an actual person solved my problem so quickly - definitely worth trying if you're still stuck by Friday.

I got my DDD 3/19 refund this morning through Varo. I'm in Michigan tho, not Illinois. Filed and accepted February 15th. Sometimes Varo does take an extra day or two compared to the big banks. They always blame it on the IRS for not sending it, and the IRS blames the bank for not posting it... typical finger pointing. 🙄

Have you checked your transcript? Might give you more info than WMR. Log into irs.gov and look at your account transcript for 2023. It'll show if it's actually been sent out or if there's any holds.

I'm in Illinois with Varo and same DDD (3/19). Got mine around 11am today. Check ur account again, might be there now. Sometimes they batch process during the day.

The IRS is such a joke. They tell us to file early, then make us wait forever anyway. I filed in January and didn't get my refund until March last year. The whole system is broken.

Sometimes it depends on what credits you claimed too. If you have Earned Income Credit or Child Tax Credit they sometimes hold those a bit longer for verification even after giving you a DDD. Did you claim either of those?

Tip from somone who works at a bank (not Varo): direct deposits can come in anytime during the day, not just in the morning. Some banks batch process multiple times per day, others only once. Also, the "business day" for banks often ends around 3-5pm for processing purposes. So a deposit that arrives at 5:30pm might not show until the next day. Hang in there!

I had this exact issue and finally figured out what was wrong by getting someone on the phone through claimyr.com. Turns out there was a weird routing number issue with Varo that was causing the delay. The IRS agent had to manually correct something and then my deposit went through 48 hours later. Talking to a real human at the IRS was the only thing that fixed it for me.

Did u make sure to check that Varo didnt reject the deposit? Some online banks are weird about tax refunds and will sometimes reject them if the name isnt an exact match. Like if your tax return says John A Smith but your bank account is under John Smith, some banks can be picky about that.

Not a Varo user, but just came here to say I'm in the same boat with my 3/19 DDD at a local credit union in Ohio. The wait is unbearable when you're counting on that money. Hope we all get our funds soon! 🤞

For what its worth, I've had 2 DDDs in the past not show up on time. One was delayed by 4 days and another by 7 days, with no explanation from either the IRS or my bank. Both eventually arrived without me having to do anything. The tax system is just slow and inefficient sometimes.

CHECK YOUR TRANSCRIPTS! Can't stress this enough. WMR is notoriously unreliable. Your transcript will show the actual status and any holds or reviews. I wasted two weeks staring at WMR before discovering my transcript showed my refund was under review.

If it makes you feel any better, I'm in the exact same situation but with Current Bank instead of Varo. 3/19 DDD, still nothing as of this morning (3/20). Called Current and they said they haven't even received it from the IRS yet. So frustrating!

Has anyone else noticed that the deposit times have been getting worse every year? I used to get my refund within a week of filing back in like 2015. Now it takes 6+ weeks even when there are no issues. The whole system needs an overhaul.