DDD 2/25 - H&R Block With All Credits Just Hit Wells Fargo

Not OP but isn't it weird how some banks are releasing funds early while others make you wait until the exact DDD? My credit union last year held my refund until precisely midnight on my DDD while my friend with Chase got hers 2 days early.

I had a Wells Fargo deposit last year with similar timing. They typically release IRS deposits as soon as they receive them, unlike some other banks that hold them until the official date. In my experience, WF and Credit Karma are consistently early releasers while BOA and some credit unions stick firmly to the DDD.

Thanks for sharing your situation! I'm in a somewhat similar boat - filed on 2/1 and still waiting. It's actually reassuring to know I'm not the only one experiencing delays with credits claimed.

Have you checked your tax transcript? According to IRS Publication 1345, returns claiming refundable credits are subject to additional verification under PATH Act requirements, which can delay processing by 2-3 weeks beyond standard timelines. This is especially true for returns filed before February 15th.

Did you verify your identity with ID.me? My return was stuck until I completed that step. The IRS doesn't always notify you when this is needed.

But isn't calling just going to get the same generic response? Can phone agents actually do anything to speed up processing? Seems like they just tell everyone to wait 21 days no matter what's happening.

The key is reaching the right department. General IRS customer service can't help much, but when Claimyr connects you, request to speak with the refund department specifically. They can see exactly where your return is in processing and sometimes remove holds that are causing delays. Basic troubleshooting steps: 1. Have your transcript codes ready 2. Ask specifically about any holds on your account 3. Request expedited processing if you have financial hardship 4. Get a reference number for your call

Thank you for sharing! It's encouraging to hear success stories like yours. Gives me hope mine will come through soon!

Are you checking WMR or your transcript? The transcript is more accurate and updates more frequently. WMR sometimes doesn't update until right before the deposit hits.

When you choose the refund advance option, your refund actually goes to a temporary account first where they deduct their fees, then forward the remainder to you. This sometimes causes a 1-2 day delay, but other times it processes faster than direct IRS deposits.

Do you know if having the advance affects whether you get it early? I've heard some banks don't release early when there's a third-party processor involved.

The advance doesn't typically affect early release - it's more about your bank's policies. Wells Fargo, Chase, and Credit Karma are known for releasing funds as soon as they receive them, while Bank of America and most credit unions hold until the official date.