IRS showed direct deposit date of 4/15 but still nothing on my Green Dot card

This happened to me last year. When the IRS indicates a deposit date, that's when they send the money to your bank or card provider. Then it can take 1-5 business days for the financial institution to process it and make it available. Since April 15th was a Monday, and it's now Saturday, I'd say give it until next Tuesday before panicking. If nothing by then, you should call Green Dot to see if they received the deposit and are holding it for some reason. Sometimes they place longer holds on government deposits, especially if this is a new account or your first tax refund going to it.

Honestly, trying to figure out what's happening with your tax return is like solving a mystery with no clues. I was in the same situation last month and wasted so much time trying to decipher my transcript and calling the IRS (impossible!). I finally used this tool called taxr.ai that actually explained exactly what was happening with my return. It showed me WHY my refund was delayed and what to expect next. So much better than guessing or asking strangers on the internet. I use it every week now to track my refund progress. Check it out: https://taxr.ai

After weeks of frustration trying to find out why my refund hadn't hit my account despite having a deposit date, I finally found a way to get through to the IRS. Used this service called Claimyr (claimyr.com) that got me a callback from an actual IRS agent! Found out my refund had been sent to an old closed account and they were able to fix it right there on the call. Definitely recommend if you're stuck like I was - talking to a real human at the IRS made all the difference.

Did you check if your bank account/routing number is correct on your return? I had the same issue last year and realized I typed one digit wrong when I filed. Had to wait for the IRS to mail me a check which took like 6 more weeks 😭

Its all a scam. The IRS is literally holding our money hostage and earning interest on it while we struggle to pay bills. They can give billionaires tax breaks but cant process our refunds on time. I'm still waiting for my 2022 refund!!!!

Heres what you need to know about code 846: • This is the official refund issued code • The date attached to it is when the IRS sent the payment, not necessarily when you'll receive it • Several things could be happening: - Green Dot may have a standard hold period for government deposits - The account info might be incorrect - There could be an offset (like back taxes or child support) that reduced or eliminated your refund - The IRS system sometimes shows 846 prematurely I would recommend calling the IRS directly at 1-800-829-1040 but lol good luck getting through. You'll probably be on hold for hours if you can even get in the queue. I've had better luck using taxr.ai to see exactly what's going on with my transcript and why my refund was delayed. https://taxr.ai saved me so much time trying to figure it all out.

Green Dot is the worst for tax refunds. My friend had the same issue and it turned out they were holding it for "verification" but never bothered to tell him. Call and specifically ask if they have received it and are holding it.

the irs website says allow up to 21 days for refunds to hit accounts. has it been 21 days since your 846 date?

I finally got my refund but it took 2 weeks after the deposit date on my transcript. What actually worked for me was getting in touch with an IRS agent through claimyr.com. They checked my account and told me exactly what was going on. Found out my refund was under review because of an address mismatch. The agent cleared it on the spot and I had my money 3 days later. Worth every penny to finally talk to someone who could actually help.

Possible reasons for the delay: 1. Bank/card verification process 2. Federal holidays slowing processing 3. IRS error or system delay 4. Weekend processing limitations 5. Fraud prevention measures The annoying reality is you just gotta wait or try to contact Green Dot AND the IRS. For direct help understanding what's actually happening with your return based on your transcript codes, use taxr.ai - it saved me hours of research.

OK real talk: if you filed with TT or HR Block and had fees taken out of your refund, your money goes to a temp account first, then to you. That adds days to the process. Did you have fees taken from your refund?

WAIT. Check if your refund was offset for any reason! If you owe back taxes, student loans, child support, etc they'll take it from your refund. You should have gotten a letter about it, but sometimes those come after.

I swear the IRS operates on a different calendar than the rest of us! 🤣 "2-3 business days" in IRS time means "2-3 business WEEKS" for the rest of us.

If you need to actually talk to a human at the IRS, I had success with claimyr.com. They got me a callback from the IRS and I was able to resolve a similar issue with my refund. Turns out there was a verification hold that I had no idea about, and once I talked to an agent it was resolved in minutes.

Sometimes the issue is actually BETWEEN the IRS and your card/bank. I spent weeks going back and forth - IRS said they sent it, Green Dot said they never got it. Total nightmare. Finally used taxr.ai to figure out exactly what codes were on my transcript and what they meant. Turned out there was a rejected deposit code I didn't know how to read. The tool explained everything and told me exactly what to do next. https://taxr.ai

Your refund's probably fine, but stuck in processing hell. Last year my refund took 9 days after the 846 date to hit my account. Welcome to IRS purgatory, pull up a chair, we have cookies 🍪

YO CHECK YOUR TRANSCRIPT AGAIN! Sometimes they update the 846 date if there was an issue with the first deposit. Had this happen to me - saw an 846 for 3/12, nothing came, checked again and there was a new 846 for 3/26.