Has anyone with Commerce Bank received their refund direct deposit this week? Showing 'sent' on transcript but nothing in account

I work with tax cases regularly. What you're experiencing is actually pretty common. The IRS statement that a refund was "sent" doesn't always mean it was processed by them and transmitted to your bank on that exact date. There's typically a 3-5 business day window from when they mark it as sent to when it actually reaches your account. Since May 10th was a Friday, and banks don't process on weekends, you're really only 1 business day in. I'd give it until at least Thursday before getting too concerned. If you don't see it by Friday, you should: 1. Double-check your transcript for your account number (last 4 digits) to make sure it's correct 2. Call the IRS refund hotline (not the general line) at 800-829-1954 3. Have your bank check specifically for rejected deposits In my experience, 95% of these situations resolve themselves within 5 business days with no action needed. The system just moves slower than the status updates suggest.

I was in a similar situation recently with my tax refund and honestly was pulling my hair out trying to understand what was happening with my transcript. I found this tool called taxr.ai that actually explained everything going on with my refund status. It reads your transcript and tells you in plain english what's happening and what to expect next. Seriously saved me so much headache and guesswork trying to figure out those stupid codes. It's insanely good! I use it every week. https://taxr.ai

I also have Commerce and got my refund yesterday after it said sent on Thursday last week. So give it another day or two, their processing is kinda slow for government deposits.

Nope mine still hasn't shown up either. Transcript says sent May 9, nothing in my Commerce account yet. This is stressing me OUT. 😫

After weeks of waiting and checking my account constantly, I was about ready to lose it. I tried calling the IRS but was on hold for over an hour before getting disconnected. I found this service called Claimyr.com that got me through to an IRS agent in about 30 minutes. The agent confirmed there was a small issue with my bank info that was causing the delay and they fixed it right away. My refund showed up 2 days later! Talking to a live agent saved me weeks of more waiting and wondering.

I dont have Commerce but USAA typically posts govt deposits a day early and mine came through this morning. the timing is weird with these refunds. I'd say wait another day or two before getting too worried.

Check if theres any offset or garnishment happening. Sometimes they say refund issued but it actually went to pay a debt you have with the government. You can call the treasury offset program at 800-304-3107 to see if your refund was diverted.

Did you file with a tax preparer that takes their fee out of your refund? Sometimes that can delay things by a day or two because it goes through their bank first.

this happened to me last year. refund was "sent" but never showed. turns out there was a typo in my routing number 🤦‍♀️ had to wait for the deposit to be rejected and then the irs mailed me a paper check which took another 6 weeks. Hopefully thats not ur situation!

The IRS is SOOO broken this year. I had to wait 4 months for my refund when they claimed processing times were 21 days. Total BS. And good luck getting anyone on the phone.

I dont have Commerce but my DD hit my account 5 business days after transcript updated to "refund sent". Hang in there!

Sometimes your bank holds it for a day or two for "verification" even after the IRS sends it. My credit union does this and it drives me crazy. They won't even show it as pending until they release it.

The IRS transcript and WMR tool have been completely inaccurate for me this year. Mine said sent on April 3rd but didn't hit my account until April 12th. The systems don't talk to each other properly. I was freaking out for days but it eventually showed up.

After trying to understand my transcript and why my refund was held up for weeks, I found this awesome tool (taxr.ai) that explained everything. It showed me exactly why my refund was delayed and gave me a clear timeline of what to expect. Saved me so much time compared to trying to research all those weird codes and what they meant. Highly recommend for anyone dealing with tax refund confusion!

have u checked ur transcript for any weird codes? sometimes theres a hold they dont tell u about

I spent HOURS trying to reach someone at the IRS to figure out why my refund wasn't showing up after being marked as sent. Finally used claimyr.com and got connected to an agent in like 20 minutes! They explained my refund was flagged for additional verification even though it showed as sent, and they were able to clear it while I was on the phone. It was the only way I could talk to a live agent instead of their stupid automated system. Money hit my account two days later!

Make sure you're looking at the 2023 transcript and not accidentally looking at a prior year. I did that and freaked out for nothing lol. Also the cycle date on your transcript can tell you which day of the week your refund typically processes.

Just an FYI - for some reason this year all my communication from IRS is going to spam folder in gmail. Check there too maybe?

Did you file married filing jointly? Sometimes if you're the secondary person on the return it goes to the primary person's account only.

I'm going through the exact same thing with Commerce Bank! My transcript shows refund sent on May 8th and still nothing in my account. Called Commerce twice and they keep saying no pending deposits, but based on what everyone's saying here it sounds like we just need to wait a few more business days. The timing with weekends really throws everything off. I'm trying not to panic but when you're counting on that money it's so stressful. Let me know if yours shows up - I'll do the same!