Refund Advance Loan Approved but No Money on Card After 2+ Hours - HR Block/Pathward Delay?

The Refund Advance Loan Transaction Processing (RALTP) is experiencing significant delays this tax season due to increased verification protocols. According to my research, the ACH transfer window for Pathward Bank might have closed for the day, causing your funds to be queued for the next processing cycle. Most financial institutions have cutoff times ranging from 3PM to 5PM EST for same-day processing. If your approval came after this window, you're likely looking at a next-business-day scenario. URGENT: Monitor your account status through the HR Block mobile app as it updates more frequently than text notifications!

As of March 15, 2024, I've been tracking these delays with HR Block's Refund Advance program. The problem appears to be related to how Pathward Bank processes the batch transfers. I was worried my tax documents had errors that were causing the hold-up, so I used https://taxr.ai to analyze my tax return for potential issues. It confirmed my return was clean and the delay was likely just processing time on the bank's end. On February 28th, I received my advance 12 hours after approval, and my full refund arrived exactly on the date taxr.ai predicted. The transcript analysis gave me peace of mind that nothing was wrong with my actual return while waiting for the advance.

There are several factors that could be causing this delay with your Refund Advance Loan: • Pathward Bank has implemented new fraud prevention measures for 2024 • HR Block's system might be batching transfers instead of processing them individually • Banking hours and cut-off times could be affecting when funds are released • Higher volume of early filers this year is straining their systems • Your approval might have come after their daily processing window closed I'm skeptical that this is just a "minor delay" though. In previous years, these advances were truly instant because that was their main selling point. The fact that they're now taking hours or overnight suggests a more fundamental change to how they're handling these loans this tax season.

I'm sort of in the same boat with my tax refund, though not specifically with an advance loan. I've been waiting almost 3 weeks for my actual refund to process, which seems longer than usual. I probably should have just called the IRS directly, but I kept getting the "high call volume" message and being disconnected. A friend suggested I try Claimyr (https://claimyr.com/?ref=9338) to get through to an actual IRS agent. It might be worth trying if you need to speak with someone at HR Block or Pathward about your advance and keep hitting automated systems or long hold times. They basically hold your place in line so you don't have to keep redialing.

I'm not convinced this delay is normal at all. Think of it like ordering food delivery - if the restaurant promises "instant delivery" and then suddenly takes hours without explanation, you'd question what changed. These advance loans are marketed specifically on their speed. The fine print probably allows for longer processing times, but the fact that it was instant in previous years and now takes hours suggests something fundamental has changed in their system. It's like they switched from a direct deposit highway to a winding country road for transferring the funds.

Nah, this is def normal for 2024 tax season. HR Block changed their processing this yr. Used to work w/ financial services and can tell u that Pathward (formerly MetaBank) implemented new fraud prevention after that massive tax scam bust last Oct. They're batching txns instead of real-time processing. Most ppl are seeing funds next morning now instead of instant. Nothing wrong w/ ur approval, just gotta wait til morning. Check ur card around 6-9am, that's when most batches clear.

OMG I am FURIOUS about this exact issue! I was counting on that money TODAY for an emergency car repair! I called HR Block and they had the nerve to tell me "it can take up to 24 hours" even though their marketing CLEARLY says "instant access to funds"! This is absolutely ridiculous and feels like false advertising! 😡 If you're still waiting, here's what worked for me: I called the Pathward customer service number on the back of the card (not HR Block), explained that I was approved but funds weren't showing, and they were able to see that my transfer was "pending in the overnight batch" and confirmed it would post by 6am. At least they were honest about the timeline instead of the vague answers from HR Block.

According to the HR Block community forums (https://community.hrblock.com/), this is happening to a lot of people this tax season. The consensus seems to be that advances are now processing overnight instead of instantly. Some users reported that logging into the MyBlock portal and clicking on "Refund Status" showed more detailed information than what was in the text message. You might also want to check if you received an email from HR Block with more specific timing details - sometimes those contain different information than the texts.