Tax refund just direct deposited - 3/15 DDD - No advance fees deducted

Oh that makes sense! I was expecting to see the full refund amount minus the prep fees, didn't realize they handled it separately. Thanks for explaining!

This is exactly right. I used to work in tax prep. They create a temporary bank account (sometimes called a SBTPG account), take their cut, then forward the rest to you. Nothing to worry about.

Same thing happened to me last year. I freaked out thinking I got someone else's refund amount by mistake. Turns out the preparer fees were already taken out before it hit my account.

Sounds interesting. How exactly does it work? Does it just read your transcript or does it do more?

It's seriously amazing! You upload your transcript and it analyzes all those confusing codes and tells you exactly what's happening with your refund - when you'll get paid, if there are delays, what they mean, etc. I was about to call the IRS for the 50th time before I found this. Best decision I made this tax season! https://taxr.ai

another tax tool? ugh these things never work 🙄

I get the skepticism - I felt the same way! But unlike those generic calculators, this actually interprets your specific situation based on your transcript. Stopped me from panicking over normal processing codes that looked scary. Worth checking out!

wait is this for real? nobody can get thru to the IRS... how much did it cost? sounds too good to be true tbh

100% real - it basically keeps dialing for you until it gets through their system. Best money I ever spent after trying for 3 weeks to get through on my own. Got a callback within an hour and had my issue resolved in minutes.

Just looked it up - seems like they use some kind of auto-dialer tech to get through the IRS phone tree? Anyone else tried this?

Used it last week after being on hold for 2 hours and getting disconnected twice. Got a callback from an IRS agent in 45 minutes who fixed my issue. Wish I'd known about this months ago!

You paid $220 for tax prep?? 😱 I use FreeTaxUSA and pay like $15 for state filing. Federal is free.

I have a small business plus rental property income. Trust me, $220 is worth every penny to make sure everything's done right and maximize deductions. My guy saved me way more than that.

that makes sense. I just have a W2 so my taxes are super simple.

I filed on 2/20 and got accepted same day. Maybe try checking your transcript if you can access it? That usually shows what's happening.

My transcript has been N/A for weeks. I'm about to lose my mind. Did you claim EIC or anything that might delay processing?

No EIC for me, pretty straightforward return. Hope yours updates soon!

Thanks. Im gonna try calling them next week if nothing changes.

This is super helpful info! Does this also explain why sometimes there's a delay between the DDD and when we actually receive funds?

Exactly! The third-party bank can add 1-2 business days to the process since they're essentially a middleman. That's why people who pay their prep fees upfront (not from the refund) sometimes get their money faster - it comes straight from IRS to their bank.

Same here! Got paid last Friday but WMR still says "processing" 🤣 I've learned to ignore WMR and just watch my bank account.

IRS spending billions on "upgrades" but their systems still running on Windows 95 apparently 💀

Oh crap, really? That would be a nightmare. I'll definitely call them tomorrow to check!

I doubt that's what's happening here. The system is designed to take fees first then deposit the remainder. What probably happened to your friend was an incorrect refund amount calculation, not a fee issue.

570 code usually means they're reviewing something on your return. Have you tried checking your account transcript for any notices or letters they might have sent?

no notices. nothing in the mail. called 5 times and cant get thru. this is ridiculous i need my money!

I was stuck with a 570 code for 6 weeks before it finally updated. Hang in there! It's frustrating but they'll get to it eventually.

does it cost money? i cant afford to spend anything right now while waiting for my refund

It does have a cost but it's reasonable for what you get - full analysis of your transcript and explanation of everything happening with your return. Way better than trying to google every code and still not understanding what's going on.

This! I learned this the hard way. Paid $39.95 extra just to have the fee taken from my refund. Never again!

Thanks for the tip. I didn't realize they charged extra for that option. Will definitely pay upfront next year.

Complete opposite for me. Filed 2/15 and still nothing. Last year I had my refund in 9 days.

I think it depends on what credits you claim and if your return has any "review flags" that slow it down. Simple returns without EIC, CTC etc seem to process faster.