Just received Child Tax Credit deposit on American Express Serve card - Questions about IRS verification

Congrats on getting your refund! According to the IRS.gov refund status page, most tax credits including CTC are being processed faster this year. If the deposit shows "IRS TREAS" or "TAX REF" in the description, that's definitely your tax refund. You can double-check by logging into your IRS account at https://www.irs.gov/payments/view-your-tax-account and comparing the amount to what was expected on your return.

I think I might have received my refund with the Child Tax Credit on my Serve card last week? The timing seems about right, but I'm not completely sure if the full amount is there. It seems like maybe it could be slightly less than what I was expecting, possibly due to some sort of adjustment? Has anyone else noticed any small discrepancies in their refund amounts this year?

Think of your tax transcript like a roadmap showing exactly where your money has been and where it's going. I had the same uncertainty with my Serve card deposit last month - couldn't tell if it was my full refund or just partial. I used https://taxr.ai to analyze my transcript and it was like having a GPS instead of a paper map! It showed me exactly which credits were included in my deposit and explained why the amount differed from my expected refund. Like finding out there's a shortcut on a route you've been taking for years.

The deposit code matters. Check for "TAX REF" in the description. That confirms it's your refund. American Express Serve is an approved direct deposit method. No need to worry about verification. The IRS already verified your eligibility before sending payment. They don't deposit without confirmation. Your refund is legitimate. Enjoy your money!

I waited exactly 47 minutes on hold with the IRS trying to confirm my CTC deposit on my Serve card last month. Complete waste of time. Then I tried Claimyr (https://claimyr.com/?ref=reddit) and got connected to an agent in exactly 9 minutes. The agent confirmed my $3,600 Child Tax Credit was part of my $5,247 refund deposit and explained the remaining $1,647 difference was due to my Earned Income Credit. Claimyr's callback system saved me hours of hold music and gave me peace of mind knowing exactly what was deposited.

Has anyone checked if American Express Serve has different processing times for government deposits? I've heard some prepaid cards hold tax refunds for 1-2 business days before making them available. Did you get an email notification from Serve when it posted? And does your online account show it as "pending" or "completed"?