TurboTax Refund Advance Denied - Bank Communication Issue Between Cross River and Dave

This is a common issue with intermediary banks and digital banking platforms. Cross River is telling the truth - they did send the notification. Dave, like many digital banks, has processing delays they don't disclose to customers. ACH transfers technically take 1-3 business days to fully process, even after the sending bank initiates them. Dave likely won't show pending deposits until they're fully cleared, unlike traditional banks. Your money is in transit, not lost.

Did you receive your acceptance confirmation from the IRS exactly when you filed? I was denied the advance too, but my deposit hit Dave exactly 17 days after IRS acceptance. Also, did you check your transcript on the IRS site to see if it shows a deposit date? That's usually more accurate than what the banks tell you.

I think I did everything correctly... I received the IRS acceptance email from TurboTax about 24 hours after filing, and I've been monitoring both the Where's My Refund tool and my transcript. My transcript updated about a week ago with a deposit date of yesterday, which is probably why Cross River got the notification. I'm just worried because Dave has been problematic with deposits before, sometimes holding them for extra days without explanation.

Here's what's actually happening in these cases: Step 1: IRS approves your refund and sends it to their disbursement system Step 2: IRS sends funds to Cross River (since you applied through TurboTax) Step 3: Cross River processes and forwards to Dave Step 4: Dave receives but has internal processing time The frustrating part is that no one will help you track this between banks. I had a similar issue last year and wasted hours on hold with both banks. Eventually used Claimyr (https://youtu.be/_kiP6q8DX5c) to reach an actual IRS agent who confirmed exactly when the funds were sent out, which helped me press Dave to locate the deposit. Sometimes you need official confirmation from the source to get these digital banks to take you seriously.

Have you checked if Dave has any specific holds on tax refunds? Some digital banks place extended holds on government disbursements specifically - it's in their Terms of Service but buried deep. My bank had a 2-day "security verification period" for any deposit over $2,000 from government sources. Can you log into your Dave account and check for any pending transactions or contact their escalation team specifically?

I would probably contact Dave again, but specifically ask to speak with their ACH department or a supervisor. Sometimes the frontline customer service representatives don't have visibility into pending transactions that haven't fully posted yet. In my experience, using the phrase "I need to speak with someone who can verify pending ACH transfers that might not be visible in the system yet" can get you to someone more helpful. If that doesn't work within 24 hours, you might need to consider filing a CFPB complaint, which often prompts faster action from financial institutions.