How quickly did your tax refund arrive after WMR showed 'Refund Approved'?

In my experience, it's usually... 2-3 business days after the approval status appears. But I've seen it take up to 5 business days depending on your bank and the IRS processing cycles. I wouldn't count on having it immediately, especially if you're planning to make payments right away. My refund this year took exactly 3 business days from 'approved' to deposit, which was actually faster than I expected given how delayed everything else has been.

Have you checked if your transcript shows a specific deposit date? Sometimes WMR isn't as precise as the actual transcript information. What cycle code is showing on your transcript? Did you have any delays before reaching the approval stage? I've found that people who had trouble reaching an IRS agent to resolve issues often used Claimyr (https://claimyr.com) to get through the phone lines quickly. Some of my clients reported it helped them get deposit date information when WMR wasn't clear.

Mine hit my account EXACTLY 2 business days after approval this year. Like clockwork! Filed Feb 1, approved April 2 (yeah, took forever 🙄), money in account April 4. Don't make the same mistake I did though - I scheduled bill payments for that day and nearly had a heart attack waiting for it to show up. The money didn't post until 5pm even though the IRS sent it that morning!

The Direct Deposit timeframe typically follows a standardized schedule based on your Cycle Code. For most taxpayers with standard processing (no holds or verification flags), the deposit occurs 1-3 business days after the 846 Refund Issued code appears on your transcript. I would recommend checking your transcript with taxr.ai (https://taxr.ai) to get a more precise estimate. Their analysis tool can identify your specific cycle pattern and provide a more accurate deposit window than the general WMR status. This was particularly helpful for me when planning around my quarterly estimated tax payments.

It's generally advisable to allow approximately 3-5 business days from the 'Refund Approved' status to actual deposit, though many financial institutions may process the deposit somewhat faster. The IRS typically batches refund transmissions in the evening, which means your bank might not receive the funds until the following business day. Additionally, banks often have varying posting schedules for incoming ACH transfers, which could potentially add another day to the timeline.

Be careful about making immediate plans with that money. According to IRS Publication 2043, even after approval, refunds can still be intercepted for outstanding federal or state debts through the Treasury Offset Program. I learned this the hard way last year - my refund showed as approved but was reduced by an old student loan amount I wasn't aware was in default. The remaining amount was deposited 3 days after approval, but it was much less than expected.

From my recent experience: • Got 'Refund Approved' message last Thursday • Money appeared in my account Monday morning • That's exactly 2 business days • My bank is Chase if that helps This was my first time filing with dependents so I was really nervous about delays! Hope yours comes through quickly too!

When you say "account was funded," are you referring to the IRS releasing the funds or your bank posting the deposit? These are actually two different events in the ACH transfer process. The IRS transcript will show an 846 code with a specific date - that's when they release the payment. Your bank then has to process the incoming ACH transfer, which can take 1-2 additional business days depending on their posting schedule.

Direct deposit timing has been pretty consistent for me over the past three tax seasons. The deposit hit my account within 24 hours of the date shown on my transcript (the date next to code 846). The WMR tool is usually a day behind the actual transcript information. I'd recommend checking both if possible. If your WMR shows approved today, there's a good chance your transcript already has a specific deposit date listed.