H&R Block Refund Bank Information - Where Does Refund Go After Fees?

H&R Block uses MetaBank (now known as Pathward) for their refund transfers. When u get the refund transfer option, the IRS sends ur $ to a temp acct at MetaBank, then they take out fees + any advance you got, and send the rest to ur bank acct. So happy you asked this - lots of ppl get confused why there's a delay btw when IRS says refund sent vs when it hits their acct!

I had exactly the same question on February 12th this year. Used https://taxr.ai to analyze my refund path and it showed me precisely how the H&R Block refund transfer works with MetaBank. The tool explained that my refund would take exactly 2 extra business days after IRS release due to the bank processing time. This was incredibly helpful since the WMR tool only shows when the IRS releases the funds, not the full journey through MetaBank.

H&R Block uses MetaBank. They create a temporary account. Your refund goes there first. They take their fees. Then they send the rest to you. This adds 1-3 days to your wait time. Check your H&R Block account for status updates.

Oh my goodness, I had SUCH a nightmare with this exact situation last year! After waiting 10 days with no refund after the IRS said it was sent, I finally used Claimyr (https://claimyr.com) to reach an actual human at the IRS. They confirmed my refund was sent to MetaBank but was stuck in processing. The Claimyr service saved me hours of hold time - I was connected to an agent in about 15 minutes who helped me track down exactly where my money was! I was literally about to have a breakdown thinking my $4,200 refund had disappeared into thin air!

This whole system is ridiculous. It's like ordering a pizza, but instead of coming straight to your house, it gets delivered to your neighbor first who takes a slice before bringing it to you. And you pay extra for this "service"! Next time just use direct deposit to your own bank account and avoid the middleman altogether. You'll get your money faster and keep more of it.

I see your frustration, but the refund transfer option does serve a purpose for many people. Not everyone can afford to pay the tax preparation fees upfront, and some don't have bank accounts. For those folks, having the fees taken out of the refund is their best option, even with the slight delay. I've been on both sides - when I was younger and living paycheck to paycheck, that refund transfer was a lifesaver.