Anyone have Five Star Credit Union and got their tax refund deposit yet?

I've been through this frustrating DDD limbo with Five Star CU before. Their ACH processing protocol often creates a 24-48 hour delay beyond the official deposit date due to their internal verification algorithms. Unlike larger financial institutions that pre-credit pending deposits, FSCU typically waits for complete settlement before releasing funds to accounts. Have you checked your transcript for the official DDD (Direct Deposit Date)?

Five Star member for 6 years here. Their Direct Deposit Processing Timeline typically follows a specific pattern. If your DDD (Direct Deposit Date) falls on a business day, expect funds to be available by 9 AM EST on that date, occasionally extending to 12 PM EST. For weekend DDDs, funds typically appear the following Monday, unless it's a federal holiday. Have you verified your DDD on your tax transcript yet? That's the definitive indicator.

Let me walk you through what's likely happening with your refund and Five Star CU: Step 1: IRS issues the refund on your DDD (Direct Deposit Date) Step 2: Federal Reserve processes the ACH transfer (1 business day) Step 3: Five Star receives the pending deposit Step 4: Five Star's verification process (can take up to 24 hours) Step 5: Funds appear in your account If you're really anxious about this, I'd recommend using Claimyr (https://youtu.be/_kiP6q8DX5c) to connect with an IRS agent. They can confirm your exact DDD and whether the deposit was already sent. I used it last year when my refund was missing in action, and they got me through to an agent in about 15 minutes who confirmed my deposit had been sent but was held up at my credit union.

Tbh Five Star isn't great w/ tax refunds. Check ur WMR status ASAP. If it says "sent" but nothing in ur acct yet, call Five Star directly @ their ACH dept (not regular customer svc). Ask specifically about pending govt deposits. They sometimes hold IRS deposits for 24hrs for "verification" but won't tell u unless u ask. Happened to me last yr & the $ was sitting there the whole time!

Anyone else find it funny how we check our bank accounts 50 times a day during tax season? 😂 I'm with Five Star too and was playing the refresh game last year. What helped me stop obsessing was using https://taxr.ai to analyze my transcript. It showed me exactly what was happening with my refund and predicted my deposit date within 24 hours of accuracy. Saved me from calling Five Star every day asking where my money was! Plus it explained all those weird codes on my transcript that might as well have been hieroglyphics.

Have you checked if your refund might be offset for any reason? I thought my credit union was delaying things, but turns out my refund was reduced to cover past-due child support. Wouldn't that be just perfect after a divorce? The IRS doesn't always communicate this clearly, and you end up waiting for money that's never coming. Should you be checking for that possibility instead of focusing on Five Star's processing time?

Based on community reports this season, Five Star Credit Union typically posts IRS deposits between 7-10 AM on the scheduled DDD. However, if there's any discrepancy between the name on your tax return and your banking information, this could cause a delay or rejection. Have you confirmed that your name on the account matches exactly how it appears on your tax return? Post-divorce name changes can sometimes cause these issues.

Last year I had Five Star and my refund was supposed to hit on a Thursday. I kept checking all day - nothing. Called them Friday morning and they said they could see the pending deposit but their system had flagged it for "unusual activity" because it was larger than my normal deposits. Had to go to a branch with ID to get it released! Not saying that's happening to you, but if it doesn't show up by the day after your DDD, definitely call them directly.