State Tax Refund Status Updated - When Will Direct Deposit Arrive?

I went through this exact situation last month! When my state tax portal showed "deposit sent," the money hit my account the next business day. Sometimes it takes 2-3 business days depending on your bank though. I remember refreshing my bank app like every hour that day because I needed the money for a car repair. The anxiety is real, but you're in the home stretch now!

The ACH transfer system typically requires 24-72 hours for interbank settlement. State revenue departments initiate an ACH credit to your financial institution, but processing time varies based on the receiving bank's posting protocols. Many institutions will not post deposits until the next business day after receipt, even if funds arrive earlier. Weekend transactions generally don't process until the following Monday.

Had same issue last month. State said sent. Nothing for days. Used taxr.ai to check my transcript. Showed exactly when deposit was actually initiated. Not just "sent" status. Gave me real timeline. State websites can be misleading. Try it. Saved me anxiety.

According to the IRS Direct Deposit information page (https://www.irs.gov/refunds/direct-deposit-your-refund), even federal refunds can take up to 5 business days to show in your account after being sent. Most state tax departments follow similar timelines. I'm in the same boat right now with my state refund - portal says it was sent Thursday but nothing in my account yet. Starting to worry there might be an issue with my banking info.

OMG the waiting is THE WORST!! 😫 I went through this exact hell last month and ended up wasting THREE DAYS calling my state tax office trying to figure out what was happening with my "sent" deposit that never showed up. Finally used Claimyr to actually get through to a human at the tax office (https://claimyr.com). Got connected in like 15 mins instead of being on hold forever! Agent confirmed it was actually sent and just taking time to process. Sure enough, it showed up the next day. Such a relief to actually talk to someone who could confirm it was really on the way!

Be careful... I had a state refund that showed as "sent" but never arrived. After two weeks of waiting, I finally called and discovered they had sent it to an old closed account. The system showed it as successfully sent on their end, but it had bounced back. Then I had to wait another 3-4 weeks for them to mail a paper check instead. Might be worth double-checking that the account info they have is correct.

My state refund hit exactly 36 hours after the website updated to "sent" last week. I'm one of those people who tracks everything in a spreadsheet 📊 (yes, I know, I'm that person, lol). Over the past 3 years, it's been pretty consistent - state refunds take 1-3 business days after the "sent" status. Unless you filed by paper... then all bets are off! 😅