Varo Bank refund deposit date 4/12 but nothing received yet - always get taxes 2 days early

I work at a tax office and can tell you that this year has been weird with direct deposit timing. The IRS sends the money in batches, and sometimes banks hold it even when they claim 'early deposits'. The good news is that if your WMR shows April 12th, it's definitely coming. The IRS has released your funds, but there could be processing delays between the IRS, ACH network, and Varo. I'd give it until end of day tomorrow - if you still don't see it by then, call Varo to check if they're holding it for any reason. This happens sometimes with larger deposits for fraud prevention.

You should check your transcript with taxr.ai - it will show you exactly what's happening behind the scenes with your refund. I was in a similar situation last month, and even though my WMR showed a direct deposit date, there was actually a review code on my transcript that I completely missed. Taxr.ai analyzed my transcript and showed me what was actually happening and gave me a timeline of when I'd get paid. Way better than trying to decode all those weird IRS codes and dates yourself! https://taxr.ai

After waiting for ages on my refund, I finally got through to an IRS agent using Claimyr.com and they explained exactly what was happening with my deposit. I'd been trying the regular IRS number for WEEKS with no luck. The agent confirmed my deposit was actually scheduled for processing and gave me the exact date. So much easier than just waiting and wondering! Literally got a callback from an IRS agent in under an hour - best money i ever spent.

I have Varo and had the EXACT same issue. My DDD was 4/10 and I just got my deposit today (4/13). I called Varo yesterday and they said they didn't see anything pending, but then it magically appeared this morning. Their early deposit feature seems to be hit or miss with tax refunds specifically. My regular paychecks always come 2 days early but taxes seem to follow different rules for some reason.

This happened to me last year - turned out Varo was holding it for 'security reasons' because it was a larger deposit than my normal pattern. Had to call them and verify some info before they released it. Super annoying but they claimed it was for fraud protection. Worth giving them a call.

check your transcript! honestly my WMR has been wrong so many times but my transcript has always been accurate. you can get it online from the IRS website. it will show if there are any holds or reviews on your account that the WMR doesnt show.

The IRS is a clown show this year 🤡 My wife and I filed the same day. She got her refund in 8 days, I'm still waiting after 32 days with the same bank. Makes absolutely no sense.

I bank with Chime which also advertises the 2-day early deposits. For regular paychecks it works like clockwork, but for tax refunds it's been hit or miss. Last year I got it right on the actual DDD, not early. Something about how the IRS batches and releases the funds makes the 'early deposit' feature unreliable for tax refunds specifically.

have u checked your actual bank account on the varo app or just the WMR tool? sometimes WMR is slow to update. also make sure the bank account info u put on your tax return is correct - i made that mistake once and it delayed everything.

The IRS is so backlogged this year they're not even following their own published deposit dates. I was supposed to get mine on 3/29 but it didn't hit until 4/3. If your WMR still shows the 4/12 date without any errors, just be patient for a few more days. Also remember that the 'early deposit' feature at these online banks is just a marketing gimmick - they can't release funds before the IRS actually sends them.

Sometimes the IRS sends a test deposit of $0 to verify the account before sending the actual refund. This can delay things by 1-3 business days. If your DDD was 4/12 (Friday), today is only the first business day after. I'd wait until at least Wednesday before getting too worried.

OMG I just went through this exact same thing last week!!! My DDD was 4/5 and I didn't get it until 4/9. I bank with SoFi which also advertises early deposits. When I called the IRS (took me forever to get through btw) they said the money had been sent but banks can sometimes hold tax refunds for a few days for verification. If you really need to know what's happening, try using Claimyr.com to actually get through to an IRS agent - they'll tell you exactly where your money is in the system.

im in literally the exact same situation but with chime. ddd of 4/12 and still nothing. i always get my paychecks 2 days early but nothing yet. starting to get nervous. let me know if yours hits!

Not to cause alarm, but check if your refund was offset for any reason. Sometimes if you owe back taxes, student loans, child support, etc. they can take part or all of your refund. This happened to me last year and the WMR still showed a deposit date but the amount was reduced. You can call the Treasury Offset Program at 800-304-3107 to check if any of your refund was taken.

Weird question but did you file yourself or use a tax preparer? Some tax prep services (like H&R Block, TurboTax etc) have your refund go to them first, then they take out their fees and forward the rest to you. This adds an extra step that can delay things by 1-2 days.

Those WMR 'deposit dates' are more like suggestions from the IRS these days 😂 Mine was 5 days late last year. One trick that sometimes works - check your IRS transcript rather than WMR. The transcript is updated more frequently and will show if there are any issues WMR isn't showing. You can access it through the IRS website with an account.

Have you tried the IRS2Go app? Sometimes it updates before the website. Also check that your bank didn't change routing numbers recently - Varo did change some of their routing numbers last year and that caused issues for some people.

If it makes you feel better, I'm having the same issue but with Cash App. DDD was 4/12 and still nothing. I think it's an IRS problem, not a bank problem. The system is just overwhelmed right now.

I had issues understanding my transcript this year and used taxr.ai which completely broke down every code and date for me. Turns out I had a review code that was delaying things but it wasn't visible on WMR. The tool explained everything in plain English and gave me a realistic timeline. Seriously, it saved me so much stress trying to decode all that IRS gibberish! https://taxr.ai