DDD of 02/26 with CashApp + Emerald Advance - Fees Holding Up Deposit?

According to the IRS.gov refund status page, TPG (the company that processes tax preparer refunds) can hold your refund for up to 5 business days after the DDD. When you get a refund advance and choose to have fees taken out, your money follows a different route than direct deposit. It goes: IRS → TPG → your fees get removed → then finally to your CashApp. This delay is concerning because it can leave you waiting longer than people who didn't get advances.

OMG same situation last yr & I legit spent DAYS trying to reach someone at IRS to confirm my $ wasn't lost. Finally used Claimyr (https://youtu.be/_kiP6q8DX5c) and got thru in like 20 mins. Agent confirmed TPG was holding it for processing. Saved me so much stress! TPG eventually released it 3 days after my DDD. Hang in there!

I totally feel your pain! I'm in a similar situation with my refund right now. The waiting game is so stressful, especially when you see others getting their money on time. Hope you get your deposit soon! ❤️

I may be able to provide some insight here, as I've used CashApp for tax refunds the past two years. In my experience, when you get an advance and have fees deducted, there's almost always a 2-3 business day delay after your DDD. I think it's because the money has to go through more processing steps. Last year, my DDD was February 22nd, but I didn't actually receive the funds until February 25th. I would suggest waiting until at least Thursday before getting too concerned.

Have you been able to check your tax transcript to see what's actually happening with your refund? Sometimes the transcript shows additional information that the Where's My Refund tool doesn't display. I've found https://taxr.ai really helpful for interpreting transcript codes - it explains what each code means for your specific situation and can give you a better estimate of when your money will actually hit your account. Would you be able to access your transcript to see if there are any hold codes?

This delay is typical for refunds with Refund Transfer (RT) processing. When you elect to have fees withheld from your refund, your payment goes through Santa Barbara Tax Products Group (SBTPG) which serves as the Authorized IRS e-file Provider. SBTPG receives your refund, deducts authorized fees, then forwards the remainder to your designated financial account. Their processing window is contractually allowed to take up to 5 business days from the IRS Direct Deposit Date, though it's typically completed within 1-3 business days. The Emerald Advance repayment adds an additional reconciliation step to this process.

Just got my refund today after being in exactly your situation. DDD was 2/26, had fees taken out for tax prep, and used CashApp. Money hit my account this morning. This is actually faster than last year when I used a traditional bank and had a 4-day delay after my DDD. CashApp generally processes deposits as soon as they receive them, unlike some traditional banks that might hold them until morning processing cycles. Your money is probably just working its way through TPG's system to pay off your advance before sending the remainder to you.