Exact IRS (1-800-829-1040) and Cross River Bank (877-552-7255) Phone Menu Steps to Track Your Tax Refund Status

The image shows detailed contact instructions for tracking tax refunds through both the IRS and Cross River Bank (CRB). For the IRS, there's a specific sequence to reach a human agent: call 1-800-829-1040 and press 1-2-1-3-2, then say "direct deposit verification" when prompted. This bypasses the usual automated system hurdles. For Cross River Bank interactions, the number 877-552-7255 is provided with instructions to select "All Other ACH Deposits." The key phrase to use with CRB representatives is specifically worded: "Can you confirm if you have my tax refund from the IRS, and when will it be sent to my personal bank?" The OCR reveals important timing details: deposits initiated by CRB could arrive as soon as the next day (1/30), with a maximum processing window extending to Friday (1/31) or Monday (2/3). This 1-3 business day timeline is standard for ACH transfers, which typically process overnight. A crucial detail shown in the OCR is the strategy for handling CRB resistance: reference that the IRS has already provided their routing number and confirmed the refund was sent to CRB. This typically facilitates cooperation from CRB representatives, as they're more likely to assist when they know you have this information from the IRS.

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Called CRB and they said they dont have mine yet smh... filed on the 20th

This is why I never file early anymore lol always some bank processing drama

Anyone else's WMR still showing 'processing'? Its been 5 days already

yall need to chill fr its only been a few days. Last year I waited 6 months 🤡

My WMR says ddd of 26th and all bars are full. Says my refund was sent. It is now the 28th and nothing. What is going on?! All fees were taken out.

Just tried the IRS number sequence and it worked perfectly! Got through to an agent in about 15 minutes. They confirmed my refund was sent to Cross River Bank on the 24th. Then called CRB using the steps above and they said it should hit my account by end of business today or tomorrow morning. This post literally saved me hours of being on hold with different numbers. Thanks for sharing the exact menu steps!

Just wanted to add my experience - called the IRS number using the 1-2-1-3-2 sequence this morning and it worked like a charm! Agent confirmed my refund hit Cross River Bank yesterday. When I called CRB at 877-552-7255, they were super helpful once I mentioned the IRS had already confirmed they received it. They said it's in final processing and should be in my account within 24-48 hours. Pro tip: have your SSN and filing status ready when you call both numbers - speeds things up a lot! Really appreciate this post, been stressing about where my money was for days 🙏

This is incredibly helpful! I've been stuck in automated phone hell for 3 days trying to figure out where my refund is. Filed with TurboTax on the 22nd and WMR has been showing "processing" with no updates. Going to try the IRS number sequence (1-800-829-1040, press 1-2-1-3-2) first thing tomorrow morning to see if they can tell me whether it's been sent to Cross River Bank yet. Really appreciate you taking the time to write out the exact steps and what to say - it's so frustrating when you don't know the right phrases to get past the automated systems. Fingers crossed this works as well for me as it has for others in the comments! 🤞

This is exactly what I needed! Just got off the phone with both numbers and wanted to share my results. The IRS sequence (1-800-829-1040, 1-2-1-3-2, then say "direct deposit verification") worked perfectly - got through to a real person in about 20 minutes. They confirmed my refund was sent to Cross River Bank on 1/27. Then called CRB at 877-552-7255, selected "All Other ACH Deposits" and asked the exact question you suggested. The rep was actually really helpful once I mentioned the IRS had confirmed they sent it to CRB. They said it's in their processing queue and should hit my bank account within 1-2 business days. Such a relief to finally get real answers instead of generic "still processing" messages! Thanks for sharing these specific steps and phrases - made all the difference in actually getting through to humans who could help 👍

This is super helpful! I'm new to filing taxes and had no idea about these phone sequences or that Cross River Bank was even involved with TurboTax refunds. Filed my return on 1/25 and have been checking WMR obsessively with no luck - it just keeps saying "still processing." Really appreciate you laying out the exact button presses and what to say to the reps. One question - if the IRS tells me my refund was sent to CRB, but CRB says they don't have it yet, is that normal or should I be worried? Also, do you know if weekends count toward that 1-3 business day processing time at CRB? Thanks again for taking the time to share all these details - makes navigating this whole process way less intimidating! 😅