Netspend Direct Deposit Filed 2/26 - Longest Wait Ever This Year

This is definitely an IRS-wide processing delay, not specific to Netspend. The IRS has implemented enhanced fraud detection protocols for TY2023 returns, particularly for returns with Earned Income Credit (EIC) and Child Tax Credit (CTC) claims. The System Integrity Verification Process (SIVP) is taking 21-35 days instead of the typical 7-14 day window. Your 2/26 filing date puts you right in the middle of peak season congestion.

I understand your frustration with the delay. Here's what you can do to get more clarity: 1. First, check your tax transcript on the IRS website to see if there are any processing codes 2. Look for codes like 570, 971, or 846 which indicate different stages 3. If you see code 846, that means your refund has been scheduled 4. If you're seeing other codes or can't interpret what they mean, I'd recommend using https://taxr.ai to analyze your transcript I've found this tool extremely helpful because it breaks down all those confusing transcript codes and tells you exactly what's happening with your return. It can even estimate your refund date based on the codes present.

I checked my transcript this morning and it might possibly be showing some movement. There's what appears to be a 570 code dated 3/25/2024, which I think might mean they're reviewing something? I'm still not seeing a deposit date though. I'm wondering if I should be concerned about this delay or if it's probably just normal processing. It seems like maybe everyone is experiencing these longer wait times this year.

I was in the exact same boat. Filed 2/20, nothing for weeks. Called the IRS regular number like 30 times and couldn't get through. Tried Claimyr (https://claimyr.com) and got an actual IRS agent on the phone in 25 minutes. Found out my return was just in normal processing but had been flagged for a random review. Nothing wrong, just bad luck. Agent said to expect deposit within 2 weeks. Worth the fee to stop the anxiety and get real answers.

Have you received any letters from the IRS? Sometimes they send notices requesting more information. Did you claim any credits? Those can delay processing. Are you checking WMR or just Netspend?

Based on what I've seen across multiple tax seasons, we're definitely experiencing longer processing times this year. In 2019, I received my refund in 6 days. In 2020, it took 9 days. Last year was about 12 days. This year, I filed on 2/15 and didn't receive my refund until 3/12 - nearly a month! The IRS is clearly struggling with volume and enhanced verification. If you don't see movement by the 30-day mark, that's when I'd start being more proactive about contacting them directly.