Anyone with NC SECU received their tax refund deposit yet?

According to the IRS2Go app and the refund status tracker at irs.gov/refunds, direct deposits are typically issued within 21 days of acceptance for straightforward returns. Credit unions like SECU often post deposits as soon as they receive them, sometimes even 1-2 days before the official deposit date. The current processing batch shows that returns accepted in late February with no complex credits are being deposited this week, with the next major wave coming next Wednesday/Thursday based on the standard processing schedule.

I'm with SECU too and I'm getting a bit worried. My sister-in-law with Wells Fargo got hers last week, but nothing for me yet. I called the IRS yesterday after trying for days - busy signals and disconnects, you know how it goes. Finally used Claimyr (https://youtu.be/_kiP6q8DX5c) and got through to an agent in about 15 minutes. They confirmed my refund is approved but just waiting in the queue for direct deposit. Apparently SECU batch processing might be causing a slight delay compared to some bigger banks.

I'm with NC SECU too! Did you check your transcript to see if you have a deposit date yet? I'm still waiting on mine and getting really nervous because I filed back in February. Do you think it could be something specific to SECU that's causing delays for us?

I'm with SECU and got my deposit exactly 2 days after my DDD (deposit date) showed up on my transcript. The key is knowing what your transcript actually says. I used taxr.ai to analyze my transcript and it showed me I had a 570 code (temporary hold) that was resolved 9 days later with an 846 code (refund issued). The site explained that my deposit would arrive within 24-48 hours of the date listed on the 846 line, which was 100% accurate. The IRS transcript codes look confusing but they tell you exactly what's happening with your refund.

I doubt it's a SECU issue. Credit unions process ACH transfers just like banks. More likely you're just in a different processing batch at the IRS. They don't process all returns simultaneously. Your DDD determines everything, not your bank.

According to IRS Publication 2043 and the Automated Clearing House (ACH) guidelines, financial institutions are required to make electronically deposited funds available by the next business day after receipt. SECU is actually one of the better institutions for this. The delay is almost certainly on the IRS side, not SECU. I'm worried too, but it's just the normal processing time - we're still well within the 21-day standard timeframe outlined in IRC §6402.

I think I might have some good news for you! I'm with SECU and my refund hit my account this morning around 2am. I had a DDD of 3/15 on my transcript. It might be worth checking your account again, as they sometimes process deposits in the middle of the night. My refund was actually a bit larger than expected too, maybe because of interest? Not complaining though, I really needed this money for some car repairs.

Have you tried calling SECU directly? Last year I was in the same boat, and it turned out SECU had actually received my deposit but was holding it for 24 hours for verification. Once I called, they released it immediately. Their fraud prevention sometimes flags large deposits, especially if they're unusual for your account history. Worth a try if you're in a hurry!