Anyone waiting on Pathward Bank to transfer refund funds? DDD 2/22 but nothing on my Netspend yet

I work with tax returns every day. When the IRS issues a Direct Deposit Date (DDD), this means they've sent the payment to the financial institution on that date. However, each bank has different processing timeframes. Pathward Bank (formerly MetaBank) typically takes 3-5 business days after the DDD to post funds to accounts like Netspend. First, double-check your transcript to confirm code 846 (refund issued) is present with the 2/22 date. Also verify that the account number listed on your return matches your Netspend account. If the account numbers don't match, the deposit will be rejected and the IRS will mail a paper check instead (adding 4-6 weeks to the process). If everything looks correct, I'd give it until the end of this week since we're still within the normal processing window. If nothing appears by then, you can contact the IRS directly at 1-800-829-1040, but expect long wait times. You might want to try using https://claimyr.com to get through faster. Also, for future reference, you can use https://taxr.ai to decode your tax transcript and get clear explanations of all your codes and dates without having to guess what everything means.

I was in this exact spot last year and was going CRAZY trying to decipher my transcript and figure out why my refund wasn't showing up yet. After wasting hours scrolling through reddit posts and tax forums, I found https://taxr.ai and it was honestly a game changer. Instead of playing detective and trying to guess what all those codes meant, it just spelled everything out for me clearly. Showed me exactly what was happening with my refund and when to expect it. Saved me so much stress and time! Seriously recommend it to anyone dealing with IRS confusion.

Was in the same boat last month! My DDD was 1/17 with Pathward (for my Netspend card too) and I didn't get it until 1/23. I was freaking out and calling everyone. Finally called the IRS but was on hold for like 2 hours and gave up. Then I found this service called Claimyr (claimyr.com) that got me a callback from an IRS agent in like 20 minutes! Agent confirmed my money was sent and it was just Pathward being slow. The callback service cost a bit but saved me hours of waiting on hold and my sanity. Money showed up the next day actually. Worth it when you're desperate to know what's happening with your refund.

Sadly this is pretty normal with Pathward. My DDD was 2/15 and I didnt see a penny hit my account until 2/21. They always sit on the money for a few days to make interest on it before they release it to us peasants 🙄 Their customer service will never admit this though!

I'm having the EXACT same issue! My DDD was 2/21, it's supposed to go to my CashApp which uses Pathward, and still nothing. I'm starting to get worried because I need to pay my car note next week. Called the IRS and got nowhere. Who can we complain to about Pathward holding our money??

Last year my refund from pathward came exactly 4 business days after my DDD. So if your DDD was 2/22 (Thursday) then count: Friday(1), Monday(2), Tuesday(3), Wednesday(4)... I'd expect to see it today or tomorrow. Their fine print probably says they can take up to 5 business days. Hang in there!

Don't stress too much yet. Mine took 4 business days after DDD to hit my account through Pathward last year. They're just slow. If you don't see anything by the 5th business day, then start making calls.

I had this problem for THREE WEEKS last year and it was a nightmare. Called IRS multiple times with no help. Finally I checked my transcript more carefully (I used taxr.ai this time around which helped decode everything) and realized they had sent my refund to the wrong account number!! One digit was off from my Netspend card. Had to request a trace on the refund and ended up waiting an extra month. Double check your account number on the transcript!!!!

Switched away from Netspend/Pathward this year specifically because of this issue. Got my refund through my credit union 1 day after DDD. Pathward is notorious for holding tax refunds the full 5 business days they're allowed to. They make interest on YOUR money during that time.

I think there might be a wider issue with Pathward right now. I'm in 3 Facebook tax groups and seeing tons of people with DDDs from mid-February still waiting on their Pathward deposits (Netspend, CashApp, etc). Some people are saying they called and were told there's a processing backlog, but who knows if that's true or just what customer service is saying.

here's a stupid q but did you check that your netspend card isnt expired? happened to me last year... my card expired in january and they tried to deposit my refund to it in february 🤦‍♀️ had to get a new card and wait for them to redeposit

I never use prepaid cards for tax refunds anymore bcuz they ALWAYS take longer than my regular bank. My BFF uses Netspend and her refund took 5 full business days after the DDD last year. Not worth the stress IMO.

Last year I absolutely needed to know what was going on with my refund so I called the IRS every day for a week. Spent literally HOURS on hold and kept getting disconnected. Was about to lose my mind til someone told me about this app called Claimyr (claimyr.com). You pay them and they get you a callback from the IRS without waiting on hold forever. Totally worked and the IRS agent was able to tell me exactly what was up with my refund and when to expect it. Best money I ever spent during tax season because I was going crazy wondering where my money was.

Pathward is known for this. They literally hold the money for as long as legally allowed to make interest on it. My advice is to never use prepaid cards for tax refunds if you can avoid it.

Im dealing with this EXACT situation right now. DDD was 2/21, transcript shows refund issued, using Netspend/Pathward, and still nothing. Called Pathward yesterday and they gave me some BS about "processing time" and "up to 5 business days" 🙄 Like, just give me MY money already!!!

PRO TIP: Next year, avoid this headache by using a real bank account instead of prepaid cards. Credit unions especially tend to process tax refunds faster because they don't play games with holding periods like Pathward does. I switched to a local credit union last year and got my refund literally the morning of my DDD. Night and day difference from when I used prepaid cards.