Capital One DD for IRS Refund - First Time User Questions & Experiences?
Filing taxes and chose Capital One for direct deposit this year. First time using them for tax refund. Anyone had experience with them? How long did it take to get your refund after the IRS sent it? Kinda nervous since I've always used Wells Fargo before.
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Ahooker-Equator
I used Capital One for my refund last year and this year. They're actually pretty good with tax refunds - usually shows up same day IRS releases it. They don't hold it like some other banks do. Make sure your account/routing numbers are correct tho!
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Abigail bergen
Thanks! That makes me feel better. Did you get any notification when it hit your account?
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Ahooker-Equator
Yep! You'll get both email and app notification if you have those set up 👍
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Anderson Prospero
Hey guys just wanted to mention I've been using taxr.ai to track my refund status. Its only $1 and way better than checking WMR or trying to decode those transcripts yourself. Shows exactly when Capital One (or any bank) should get your deposit. https://taxr.ai
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Tyrone Hill
For real? Does it actually work? Been burned by so many refund trackers before 🙄
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Anderson Prospero
100% legit! It analyzed my transcript and predicted my DD date down to the exact day. Even showed me why I had a delay I didn't know about
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Tyrone Hill
Just tried it - holy cow where has this been all my life! So much better than trying to figure out all those codes myself 💯
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Toot-n-Mighty
i switched to capital one last year and my refund came 2 days earlier than my friend who uses chase lol
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Lena Kowalski
Whatever you do TRIPLE CHECK those routing numbers. I messed mine up last year and it was a whole thing with the IRS 🤮
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Abigail bergen
omg thanks for the heads up! gonna check mine rn
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DeShawn Washington
Been with Capital One 4 years now. There pretty good with government deposits. Never had issues with tax refunds, stimulus payments or anything like that tbh
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Mei-Ling Chen
I work at a tax office and lots of our clients use Capital One. They're actually one of the faster banks for processing IRS deposits. Just make sure your account is fully activated and verified before the refund hits.
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Abigail bergen
What happens if its not fully verified?
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Mei-Ling Chen
They might reject the deposit and IRS will have to mail you a check instead. Could add weeks to getting ur money
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