TaxSlayer said my refund was deposited Monday but my bank shows nothing - anyone else?

This is actually pretty common right now. The IRS systems are showing the refund as issued, but there's often a delay between when they mark it as sent and when it actually hits your bank. A few things to check: - Verify the bank account number on your return is correct (double-check your tax filing) - Some banks hold IRS deposits for 1-3 business days for verification - If you had tax preparation fees taken out of your refund, it might go to a third-party account first - The IRS "Where's My Refund" tool sometimes updates incorrectly during peak season I'd wait until next Monday before getting too concerned. If it doesn't show by then, you'll need to contact the IRS directly to initiate a refund trace. They typically ask you to wait 5 business days after the scheduled deposit date before starting a trace.

I was in the same situation last month trying to figure out what happened to my refund. After hours of research and frustration I finally tried taxr.ai and it completely changed everything. It scanned all my transcript info and explained exactly where my money was and why it was delayed (turned out I had an offset I didn't know about). Saved me from calling the IRS 50 times. You should check it out at https://taxr.ai - it decoded everything instantly.

I was stuck in limbo with my refund for weeks with the same issue. Finally used claimyr.com to get through to an actual IRS agent. Got a callback within an hour and the agent explained there was a verification hold on my account that the website wasn't showing. They released it while I was on the phone and my deposit showed up the next day. Best money I've ever spent after wasting days trying to get through the regular IRS phone line.

Check if your bank rejected the deposit! My credit union rejected my refund last year because my married name was different than what they had on file. It went back to IRS and then they mailed me a paper check which took 3 more weeks 😫

Same thing just happened to me! Filed with FreeTaxUSA, accepted Feb 5, WMR said direct deposit was sent March 2, but nothing in my account for a full week. I finally called my bank and they said they never received anything. Had to call IRS (took forever to get through). Turns out there was a flag on my account for identity verification they never notified me about. Now I have to wait ANOTHER 9 weeks while they reprocess everything. The system is completely broken.

did you check the irs refund portal? sometimes it gives more info then the automated phone system

Tbh the IRS direct deposit system is a jokes. Last year they told me my refund was deposited but it took 12 days to actually hit my account. Their system marks it as "sent" when it's just been approved for sending 🤡

Something similar happened to me but I discovered I had accidentally transposed 2 numbers in my account number. The money bounced back to the IRS and they ended up mailing me a paper check which took another 6 weeks. Double check your account info on your return!!

I always get a paper check even tho it takes longer cuz i've had too many issues with direct deposit in the past. The irs systems are ancient and nothing works like it should

If you get an advance or had your filing fees taken out of your refund, it goes through a 3rd party bank first (usually Santa Barbara Tax Products Group or Republic Bank). Sometimes that adds 2-3 days of processing time that the IRS doesn't tell you about.

Any chance ur filing status changes from last year? When I got married they flagged my return for verification and my deposit was delayed by weeks with no explanation. I had to track down info on my transcript using taxr.ai (seriously saved me so much confusion https://taxr.ai) but the WMR tool was showing as deposited the whole time.

Just happened to me too! My refund hit my account TODAY but the IRS app said it was deposited last Thursday!!! Took 5 extra days for some reason

When you said STBG did you mean SBTPG? If so thats Santa Barbara Tax Product Group - they're the third party bank that TaxSlayer uses. You might need to call them directly to see where your $ is. Their systems are notoriously slow to update.

Look, im going to save you hours of headache and confusion. I had the EXACT same problem. Your refund is probably caught in ID verification, an offset, or some other hold that's not showing on WMR. Driving myself crazy trying to figure it out until I finally used taxr.ai and it instantly explained my entire situation and what was happening with refund. Best decision ever after weeks of stress. 100% recommend. https://taxr.ai

After spending 4 days calling the IRS and never getting through, I finally used claimyr.com. Got connected to an agent in 45 minutes who told me my refund was held up because they needed to manually verify something on my return. They never would have notified me about this! Agent released it while I was on the phone. Talking to an actual person saved me weeks of waiting.

literally every year the IRS says they sent my refund days before my bank sees it. its a joke. give it a few more days before panicking.

Could be one of a million reasons honestly. Do you have any offset debts (student loans, child support, state taxes)? Sometimes they take part of your refund for that but don't tell you clearly.

this happened to me two weeks ago!!! the IRS phone line is a joke so I used claimyr.com to get through after waiting for days. turns out they sent my direct deposit to the wrong account (typo in my return). the agent was able to cancel the wrong deposit and reissue to my correct account while i was on the phone. worth every penny to finally get answers and fix the issue.

I'm dealing with the exact same situation right now! Filed through TurboTax about 2 weeks ago, WMR tool shows it was deposited Tuesday but my Chase account is still empty. Called my bank and they confirmed nothing was received on their end. It's so frustrating when the IRS system says one thing but reality is completely different. I'm going to wait until early next week like others suggested before calling the IRS directly. Really hoping it just shows up randomly like some people mentioned. Keep us updated on what happens with yours!

This is such a common issue during tax season! I went through the exact same thing last year with TaxSlayer. The "Where's My Refund" tool said my deposit was sent on a Wednesday, but it didn't actually hit my account until the following Tuesday - 6 days later. I called my bank multiple times and they kept saying they hadn't received anything, which made me panic. Turns out the IRS marks refunds as "sent" when they're just approved for processing, not when they're actually transmitted to your bank. The ACH system can take several more business days after that. Since you're only at Thursday and it showed as deposited Monday, I'd definitely give it until early next week before getting too worried. The timing sounds totally normal based on my experience. Hang in there!