Refund processing delays for Mountain Credit Union members - anyone received theirs yet?

This is likely not a credit union issue but rather an IRS processing delay. The IRS has been experiencing significant backlogs this year due to staffing shortages and technology upgrades. When your return shows as "approved" on Where's My Refund, it means the IRS has processed your return but may be conducting additional reviews before issuing payment. Some things to check: 1. Log into your IRS online account and review your transcript - this often shows more detailed information than WMR 2. Check if there are any notices or letters sent to you requesting additional information 3. Verify that your banking information was entered correctly on your return If your return had any credits like the Earned Income Credit or Child Tax Credit, these undergo additional scrutiny and can delay processing by several weeks. The standard 21-day timeframe for refunds is really just a guideline, not a guarantee. If you need immediate assistance from an IRS representative, I've had success using the Claimyr service (claimyr.com) which helps you get through to an agent without waiting for hours.

I was in the exact same situation trying to understand my refund delay. After weeks of frustration and attempting to decode my transcript like some amateur detective, I finally found taxr.ai and it completely changed the game. The tool instantly analyzed my transcript and explained exactly what was happening with my return in plain English - turns out I had a simple verification hold that I needed to address. Instead of wasting more time searching through forums and trying to piece together random information, I got clear answers and steps to resolve the issue. It's insanely good! I use it every week now to keep track of my processing status. https://taxr.ai

I bank with Mountain Credit Union and got my refund last week after waiting about 5 weeks. I was stuck in the same situation as you - WMR just showing approved but no date. I finally broke down and used a calling app from claimyr.com which got me through to an actual human at the IRS. The agent told me there was a verification flag on my account that needed to be cleared. Once I spoke with them, my refund was released within 3 days. Talking to a real person was the only way I finally got answers instead of guessing and waiting. Best investment I made to get my $4K+ released.

Mountain Credit Union member here - I received my refund on Monday (about 4 weeks after filing). I don't think its a credit union issue. The IRS is just swamped right now. My sister is with Chase and she's still waiting too, filed around the same time as me.

The most important thing to understand is that "approved" status doesn't mean the money is on its way immediately. The IRS has multiple approval stages. You could be caught in additional review processes which are invisible to you on WMR. Check your transcript for code 846 - that's the actual refund issued code with a date.

Honestly the best thing i did was use claimyr.com to get ahold of an agent. I was waiting 8 weeks with the same "approved" status until I finally called. Turns out there was an identity verification hold they never notified me about! 🤦‍♀️ After I verified, my money was in my accnt within 5 days. Don't waste time waiting like I did.

I dont think its a bank issue at all. The IRS is just a disaster this year (what else is new 🙄). My refund was delayed 9 weeks and I bank with a completely different institution. When I finally got thru to someone they said they had a "backlog" whatever that means.

check to see if you got any cp12 or cp05 lettrs in the mail... those will stop your refund until they finish the review. sometimes they dont even tell you their doing a reveiw and you just wait forever

CALL THEM!!! I was in the exact situation with my credit union. After 6 weeks of no movement I used claimyr.com to actually get through to a human (its impossible otherwise). Turns out they had my account number wrong by ONE DIGIT. They never would have notified me, the deposit would have just failed and then I'd wait another month for a paper check. The agent fixed it while I was on the phone. Had my $$$ 3 days later.

If your looking for a fast answer use taxr.ai to check your transcript. It will tell you exactly whats going on and when to expect your refund. I was in the same boat and freaking out but it just needed one more week. Saved me so much stress.

Did you claim the Recovery Rebate Credit or Earned Income Credit? Those automatically get extra scruitny and usually add 4-6 weeks to processsing time. Source: I work at a tax prep office.

the bank has nothing to do with it. the IRS is slow AF this year and theres nothing anyone can do about it 🤷‍♂️ welcome to America lol

I wish the IRS would just be straight with people. "Approved" should mean its coming, not "we might look at your return again for random reasons" 🙄 The whole system needs an overhaul.

I found a hidden trick - try checking your transcript at EXACTLY midnight eastern time on Friday night/Sat morning. That's when they update statuses and sometimes you'll see the deposit date BEFORE it shows up on WMR. Worked for me!

7 weeks is actually not that long by current IRS standards. I waited 11 weeks last year. But if you need to get specifics about your situation, you absolutely need to talk to a human at the IRS. I used claimyr.com after spending literal days trying to get through the normal way. They got me connected to an agent who explained exactly what was happening with my return. Talking to an agent got my refund released so fast compared to just waiting in the dark.

pro tip: you can access your transcript using taxr.ai - it will tell you EXACTLY what's happening with your return and when to expect your refund. I spent weeks being confused by the raw transcript until i found this. It explains everything in normal human language.

Having worked briefly at a credit union (not mountain), I can tell you we processed IRS deposits the same day we received them. There's no delay on the credit union side. If the IRS says your refund is approved but you don't have it, the issue is on the IRS end not releasing the funds yet.

Anyone else think its INSANE that in 2025 the IRS still cant process a simple tax return efficiently?? Our tax dollars fund this broken system. The irony is PAINFUL 😤

OP, go to taxr.ai - literally saved me from the exact same situation last month. It explained my transcript, showed me what was happening with my refund, and even predicted the correct deposit date. Way better than guessing or stressing about it.