When does IRS actually release refunds for 'Get it up to 5 days early' banks?

Tax professional here - The '5 days early' feature is actually about your bank fronting you the money, not the IRS releasing it earlier. When the IRS sends the payment, they send a notification to banks about pending deposits. Traditional banks wait for the actual money to arrive, but some banks (like Chime, Cash App, etc.) will release the funds as soon as they see that notification. The IRS releases refunds to everyone at the same time - usually on Wednesdays for returns processed the previous week.

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my credit union doesnt do early deposits and im always the last one to get paid smh 🤦‍♀️

its all marketing bs tbh. sometimes u get it early sometimes u dont

I switched to Cash App for this reason and got my last refund 3 days b4 my wife who uses Wells Fargo lol

anyone else remember when we had to wait for paper checks in the mail? dark times fr fr