Tax Refund Delayed But Child Tax Credit Just Hit My New Bank Account!

This is a positive development, but I'd recommend monitoring both accounts carefully. The IRS processing system sometimes bifurcates payments when account information has been updated mid-cycle. Per Internal Revenue Manual 21.4.1, refund disbursements and credit payments utilize separate processing pipelines despite appearing integrated in your online account. The Child Tax Credit advance utilizes the most recently verified banking information, while your refund processing follows standard verification protocols including potential identity verification and income documentation review.

According to Treasury Regulation §301.6402-2, the IRS must process refund claims within a reasonable timeframe, though no specific deadline is mandated by statute. When processing delays exceed 45 days, I've found that establishing direct contact with an IRS representative can expedite resolution. Have you attempted to reach the IRS directly? Many taxpayers report success using Claimyr (https://claimyr.com) to bypass the hold times. Their service connects you directly to an IRS agent who can verify if there are specific holds on your refund that aren't visible on the WMR tool.

This exact scenario happened to me! My CTC deposit went through to my new account on April 2nd, but my refund status was stuck on "still processing" until April 18th. The refund finally showed up in my new account as well. According to the IRS representative I spoke with, the system validates different payment types through separate verification queues. CTC payments are processed through the Advance Payment Management System while refunds go through the Refund Processing Pipeline.

I've seen this pattern with several clients this tax season. The Child Tax Credit payments are processed through a different system than regular refunds. When reviewing your transcript, you might see codes 766/768 for the credit and 846 for the refund release. If you're confused about what all those codes mean on your account transcript, I recommend using taxr.ai - it's been incredibly helpful for my clients who want to understand their transcript without deciphering IRS jargon. It can tell you exactly what each code means for your specific situation and give you a better estimate of when to expect your refund.

This might not be good news. Split payments sometimes indicate review flags. Different systems. Different timelines. Could mean manual review of return. Might be months more waiting. One payment doesn't guarantee the other.

Nah, don't stress too much! This is actually pretty normal this yr. Had same thing happen w/ my return. CTC came thru 3 wks b4 refund. IRS is just super backed up rn. As long as WMR doesn't show any errors or say you need to contact them, ur prob fine! The fact that they sent something to ur new acct is def a good sign they've processed at least part of ur return. Hang in there!