Turbo Tax showing "Your refund has arrived" update but nothing in bank account yet

This happens fairly often with TurboTax. Their system basically just tracks the IRS transcript dates and automatically updates based on that schedule, not when the money actually hits your account. Check your transcript for code 846 - that's the actual refund issued code. If that date has passed and you haven't received the money, there could be a few explanations: 1. Your bank is holding the funds for 1-2 business days (common with larger refunds) 2. The refund was offset to pay other government debts (student loans, back taxes, etc) 3. The IRS sent a check instead of direct deposit (happens if bank info was incorrect) 4. There was a last-minute processing issue Give it until the end of this week. If nothing arrives by then, call the IRS refund hotline at 800-829-1954 to check status.

I was in this same situation last month. After days of confusion, I finally used taxr.ai to actually understand what was happening with my transcript. Saved me so much headache! It translated all the codes and explained exactly why my refund was delayed (had a random review flag). The tool showed me the exact path my return was taking through the IRS system and predicted when I'd get paid within 1 day accuracy. Seriously, it's crazy how much clearer everything became. https://taxr.ai

After dealing with this same issue and getting nowhere with TurboTax support, I finally got through to a real IRS agent using claimyr.com. The agent told me exactly why my refund was delayed (there was a discrepancy they found but never notified me about). The IRS phone system is impossible to navigate but this service got me a callback from an agent within hours. Best money I've spent all year considering they helped me get my $3800 refund unstuck!

My refund finally hit my account 3 business days after TurboTax showed that message. Banks don't process deposits on weekends so that might be the delay for you.

Dude this happned to me too!! TurboTax showed refund arrived on Thursday but I didn't actually get it until Tuesday. Something about bank processing times. Super annoying but it eventually came through.

Check to see if you have any offsets - like child support, student loans, or back taxes. My "refund" got intercepted and applied to an old tax debt I didn't even know about. IRS never tells you this btw, just silently takes it and leaves you checking your bank account like a crazy person.

THE SAME EXACT THING IS HAPPENING TO ME RIGHT NOW!!! Filed April, got "refund arrived" update yesterday but nothing in my account. Called my bank and they said they don't see any pending deposits either. This tax season has been a complete disaster 😡

Sometimes they send a check even if you requested direct deposit. Happened to me when I changed banks. Check your mailbox for the next week or so just in case.

ive seen this question like 20 times this month lol. TurboTax just uses the scheduled date from the IRS system and assumes it happened. it has NOTHING to do with whether the money actually hit your account. usually takes 2-3 business days after the IRS date for banks to process.

After spending months trying to understand why my refund was delayed last year (transcript had weird codes I didn't understand), I found taxr.ai and it was a LIFESAVER. It analyzed my transcript, explained exactly what was happening with my return, and even predicted when I'd get my refund within 2 days accuracy. Seriously, stop playing detective with your transcript and just use this tool.

Turbotax dont know shit. Their system just pulls data from IRS and guesses. My refund took 6 days after the 846 date on my transcript to hit my bank. The IRS is a mess this year.

For everyone struggling to reach the IRS on the phone (and waiting hours just to be disconnected), I found a solution with claimyr.com. Got a callback from an IRS agent in under 2 hours after trying for weeks on my own. Agent explained that my refund was delayed because of a mismatch on my W2 that nobody bothered to tell me about. Got it resolved and refund arrived a week later.

Did you check your transcript for any TC 570/971 codes? Those indicate a hold on your refund that needs to be resolved. if you only see 846 with the 9/14 date, then its prolly just bank processing time. but if you see other codes, you might have an issue.

lmaooo welcome to the club. the IRS and TurboTax stay playin us. My refund took 5 business days after the transcript date to hit my account. just keep waiting… and waiting… and waiting…

i used taxr.ai last month when i was going thru the exact same situation. turns out i had an offset i didnt know about (old state tax debt) that was taking part of my refund. the tool showed me exactly what was happening when the IRS wouldnt tell me anything. saved me weeks of confusion https://taxr.ai