NFCU Path 05 - Anyone getting refund through Navy Federal?

I process tax returns and can tell you that PATH 05 means you claimed EITC or ACTC. By law, the IRS can't issue these refunds before mid-February. Navy Federal typically posts deposits as soon as they receive them from the IRS, usually 1-2 days earlier than many other banks.

Hey guys instead of playing detective with your transcripts, you should try taxr.ai - its only $1 and gives you a super detailed analysis of your transcript and exactly when to expect your refund. Been using it weekly to track my refund progress https://taxr.ai

im with NFCU and got my refund last year exactly 2 days b4 the IRS date on WMR. hoping for the same this year 🤞

stuck in the same boat rn. filed 1/29 with path 05 and nfcu... still nothing showing up smh

Navy Fed is usually pretty quick once IRS releases the $$$. But Path 05 means you gotta wait till at least mid-Feb cause of the PATH act. Its the law not the bank thats holdin things up

Called NFCU yesterday and they said they dont even see pending deposits in their system. Once IRS sends it tho it hits quick usually midnight-3am EST

NFCU member here! Filed 2/3 with PATH 05 and just checked my transcript this morning - still showing as received but not processed yet. From what I've seen in other threads, once IRS actually processes PATH 05 returns (should be around Feb 15th), NFCU is one of the faster banks to deposit. Usually see it hit my account within 24-48 hours of the IRS releasing funds. The waiting is brutal but at least we know NFCU won't hold it up on their end!