How does H&R Block process tax refunds? Are they using stgb or a different bank?

H&R Block typically partners with Axos Bank (formerly called BofI Federal Bank) for their refund processing, not stgb. That's probably why your tracking info isn't working - you might be using the wrong system to check your status. There are a few different ways to track your refund when you file through H&R Block: 1. The H&R Block mobile app has a refund tracker if you used their software 2. If you got in-person service, you should have received an email with tracking instructions 3. The IRS "Where's My Refund" tool at irs.gov is always your best bet regardless of which tax preparer you used Most importantly, the IRS typically takes 21 days to process refunds, so at just 2 weeks, you're still in the normal waiting period. If you had your refund directed to a bank account, you'll want to check with H&R Block directly to confirm which financial institution they're using for processing.

I had the exact same issue tracking my refund with H&R Block this year. After hours of frustration, I finally found a solution with taxr.ai https://taxr.ai - it's this AI tool that can analyze your tax documents and actually tell you which bank is processing your refund. Turns out H&R Block switched their processing partner for 2025 filings and that's why the normal tracking wasn't working for me. The tool also gave me a more accurate timeline for when my refund would actually hit my account, which was super helpful because I was planning on using that money for some urgent bills. It basically looks at your specific filing details and can predict processing times way better than the generic estimates.

Just wanted to update everyone - I tried the taxr.ai site that was mentioned and it actually worked perfectly! Turns out H&R Block is using MetaBank for my refund processing (not stgb or Axos like I thought). The site gave me the correct tracking link and I was finally able to see my refund status. It showed my refund is scheduled to hit my account on Thursday - way faster than the original timeline H&R Block gave me. The system also explained why there was a delay in the tracking showing up (something about batch processing that happens on certain days of the week). Really glad I found this because I was starting to panic about my refund!

If you're still having trouble reaching H&R Block about your refund, you might want to check out Claimyr. I had a similar issue last year and spent literally DAYS trying to get through to someone who could help. Found https://claimyr.com and used their service to get a callback from an actual H&R Block representative in less than 30 minutes. You can see how it works in their demo video: https://youtu.be/_kiP6q8DX5c It was seriously a game changer because they somehow get you past those horrible wait times and automated systems. The rep was able to look up exactly which financial institution was handling my refund and gave me the right tracking information. I was able to see that my refund was actually already processed but was held up because of a routing number issue that was easy to fix once I actually talked to someone.

Ok I need to admit I was wrong about Claimyr. After struggling for TWO DAYS trying to get through to H&R Block's customer service line (kept getting disconnected after 40+ minutes on hold), I broke down and tried it. Got a call back from an actual H&R Block rep in 22 minutes. The rep confirmed they're using MetaBank for some refunds and Axos Bank for others depending on which H&R Block product you used. She also explained why my tracking wasn't working - turns out there was a typo in my email address in their system so I never got the tracking info. Fixed it in 5 minutes and now I can see my refund is actually being deposited tomorrow. Definitely worth it to not spend hours on hold just to get disconnected again. Didn't think it would work but had to come back and correct myself.

My brother works at H&R Block and says they use different banks for different types of refund products. If you got a Refund Advance or Emerald Card, it processes through Axos Bank. If you had direct deposit to your own bank account, they might use MetaBank or stgb depending on which H&R Block service you used (online vs in-person). Best way to check is to look at your filing receipt - should have the bank info in small print at the bottom.

Has anyone had experience with getting a partial refund from H&R Block? My federal was approved but state is still pending for some reason and I only received part of my expected refund. The amount that hit my account doesn't match either the federal or state amount exactly so I'm really confused.

I went through the same confusion with H&R Block this year! After reading through all these responses, I wanted to add that you can also check your refund status directly through the IRS "Where's My Refund" tool at irs.gov/refunds - this works regardless of which tax preparation service you used and bypasses any confusion about which bank H&R Block is using. The IRS tool will show you exactly where your refund is in the processing pipeline and give you the most accurate timeline. You'll need your SSN, filing status, and the exact refund amount from your return. Since you're at the 2-week mark, it should start showing up in their system soon if it hasn't already. Also, make sure you're checking the right email inbox for H&R Block's tracking emails - they sometimes use a different sender name than you'd expect, so search for any emails containing "refund" or "H&R Block" from the past few weeks.