Anyone with Navy Federal seeing tax refund deposits pending?

Navy Fed usually shows pending deposits 1-2 days early. IRS batches are released Tuesday through Friday. Check your transcript. Sometimes WMR isn't updated. Navy Fed typically posts at midnight EST.

I had the exact same issue with Navy Federal last month. The WMR tool kept showing 'still processing' but my transcript had all the details about my refund status. I used https://taxr.ai to decode my transcript and it showed my DDD (Direct Deposit Date) was already scheduled even though WMR hadn't updated. The Cycle Code on my transcript indicated which batch my refund was in. Navy Federal typically posts deposits around midnight EST on the scheduled date, sometimes a day early if you're lucky.

I bank with Navy Federal and just got my refund this morning. The IRS Where's My Refund tool never updated for me - it was still showing the first bar when the money hit my account. According to irs.gov/refunds, this happens sometimes with their system backlogs. My advice is to check your transcript on the IRS website rather than relying on WMR. The transcript had the correct deposit date listed for five days before I actually received it.

It might be helpful to know that Navy Federal, in my experience, typically posts IRS refunds slightly differently than other deposits. They often, though not always, show pending deposits approximately 24-48 hours before the official deposit date. You may want to check your IRS transcript rather than just the WMR tool, as the transcript will likely show your official deposit date with code 846. Additionally, if you claimed certain credits like the Earned Income Credit or Child Tax Credit, there are mandatory processing delays due to the PATH Act that could possibly extend your wait time regardless of your banking institution.

When my refund was delayed last year, I spent HOURS trying to reach the IRS. Here's what I did: 1) Called the regular number - got disconnected repeatedly. 2) Tried calling right when they opened - waited 2+ hours before hanging up. 3) Finally used Claimyr.com to get through - connected with an agent in 20 minutes. They confirmed my refund was approved but just waiting for the next batch release to Navy Federal. Saved me days of anxiety and checking my account every hour. The agent even gave me the exact date it would hit my account.

Navy Federal member here! My refund showed up as pending yesterday and posted at exactly midnight. WMR still shows processing even now, lol. The IRS and their systems are clearly not on speaking terms this year. 😂 I'd suggest checking your account around midnight for the next few days - Navy Fed is usually pretty good about showing pending deposits ahead of time.

I bank with Navy Federal and received my refund exactly 21 days after filing. It showed as pending for precisely 24 hours before posting to my account. My refund was $3,742 and I filed on February 3rd. The WMR tool updated to approved on day 19, then showed a DDD of 2/24. The money appeared as pending on 2/23 and was available at 12:01am on 2/24. Hope this timeline helps you gauge where you might be in the process.

Last year my Navy Federal refund came through at midnight on the day it was supposed to, but the year before it came a day early. This year I'm still waiting too. I've noticed that Navy Fed doesn't always show pending deposits - sometimes they just appear. Last time I checked WMR in the morning and it said nothing, then checked my account that night and boom, money was there. The IRS seems even slower this year than in previous filing seasons.

Be careful about relying on others' timelines. According to IRS Publication 2043, each return is processed individually and timelines vary significantly. I've seen cases where Navy Federal members had their accounts temporarily frozen due to large unexpected deposits that triggered fraud alerts. If your refund is substantial, I recommend calling Navy Federal proactively to notify them you're expecting a large deposit from the Treasury. The IRS won't tell Navy Federal details about your deposit - they just send the money with minimal identifying information.

Have you tried checking your tax transcript instead of just WMR? Sometimes the transcript will show a scheduled deposit date before WMR updates. You can access it through the IRS website under 'Get Transcript Online.' Look for a code 846 with a date - that's your refund date. Also, what kind of refund are you expecting? Did you claim any credits that might delay processing? Was there anything unusual about your filing this year compared to previous years?

I'm also with Navy Federal and have been in the same boat! Filed about 3 weeks ago and WMR has been stuck on "still processing" this whole time. What I've learned from checking forums and calling around is that Navy Fed typically posts IRS deposits between 12:01-3:00 AM EST on the scheduled date, and sometimes they'll show as pending the day before. I'd definitely recommend checking your IRS transcript online - it's been way more accurate than WMR this year. Look for transaction code 846 which will show your actual direct deposit date. Also, if you claimed EITC or CTC, there's an automatic delay until mid-February due to PATH Act requirements. Hang in there - Navy Fed has been pretty reliable with getting IRS deposits posted on time once they're actually released!

Navy Federal member here too! I've been waiting about the same timeframe as you. From what I've experienced in past years, Navy Fed is actually pretty good about posting IRS refunds - they usually show up as pending 1-2 days before the official deposit date, then post at midnight EST. The WMR tool has been notoriously unreliable this year from what I'm seeing in various forums. Definitely check your IRS transcript online if you haven't already - look for code 846 which shows your actual direct deposit date. That's been way more accurate than WMR for most people. Also, just a heads up that if your refund is over a few thousand dollars, you might want to give Navy Fed a quick call to let them know you're expecting a large deposit from Treasury - sometimes large unexpected deposits can trigger fraud alerts. Hang in there, it should show up soon!

Navy Federal member checking in! I'm in a similar situation - filed about 2.5 weeks ago and WMR has been stuck on "still processing" the entire time. What's been helpful for me is checking my IRS transcript online (irs.gov/individuals/get-transcript) rather than relying on WMR. Look for transaction code 846 - that shows your actual direct deposit date even when WMR hasn't updated yet. In my experience with Navy Fed over the past few years, they're pretty reliable about posting IRS refunds right at midnight EST on the scheduled date, and sometimes they'll show as pending 24-48 hours beforehand. The IRS has been slower than usual this season, but once your refund gets approved and scheduled, Navy Fed typically handles their end smoothly. Keep checking that transcript - it's been way more accurate than WMR for most people this year!