Which bank does H&R Block use for direct deposit refunds if you didn't use their Emerald Card?

If you selected direct deposit to your own bank account, H&R Block doesn't use an intermediary bank. The IRS sends the money directly to whatever account number you provided on your return. If your transcript shows the refund was issued but hasn't hit your account, there are several possibilities: 1. The account number on your return might be incorrect 2. The routing number might be wrong 3. The name on the bank account doesn't match your tax return name 4. The bank rejected the deposit for some reason You should call the IRS at 800-829-1040 to see if they have any information about why the deposit failed. They can tell you if the deposit was rejected and if they're sending a paper check instead. Double-check your tax return copy to make sure the banking info is correct.

I was in a similar situation last month, spending hours trying to figure out where my refund went. Instead of playing detective, I tried taxr.ai and it actually explained my entire transcript in plain English and showed exactly where my money was stuck in the process. Saved me days of research and confusion. Honestly after dealing with the stress of not knowing what's going on, having something that could actually tell me in normal words what each code meant and what was happening was insanely helpful. https://taxr.ai

After waiting forever to figure out my tax situation, I finally found a way to actually talk to a real human at the IRS using Claimyr.com. They got me a callback from the IRS in about 20 minutes when I had been trying for days on my own. The agent confirmed there was a problem with my direct deposit info and they were going to mail a check instead. Talking to the agent directly saved me weeks of wondering and stressing. Best money I've spent all year just to get my questions answered!

If you used H&R Block software to file yourself, then look at your actual tax return (Form 1040) to verify the account/routing information is correct. If H&R Block prepared your taxes in person, call that specific office and ask them to check what bank information was submitted. If the numbers match your account but money isn't there, you definitely need to contact the IRS directly as the money could have been rejected and they're sending a paper check instead.

I went through this last year. Check your spam folder for emails from H&R Block too - they sometimes send updates about refund status. In my case, I had entered one digit wrong in my account number (completely my fault) and the deposit was rejected. The IRS automatically converted it to a paper check which took about 3 more weeks to arrive. The frustrating part was that neither H&R Block nor my bank could tell me what happened - only the IRS knew the deposit had failed.

H&R Block doesn't use a bank when you direct deposit to your own account. When you use their Emerald Card, that's different - that's their prepaid debit card product through Axos Bank. If you didn't use the Emerald Card, then the IRS should be sending the deposit straight to your account. If it's been more than 5 business days since the "refund issued" date on your transcript, something's definitely wrong.

did you check your tax return to make sure it's EXACTLY the right account? I typed mine wrong by one digit last year and it took forever to get straightened out.

You need to check your bank account and routing numbers on your tax return ASAP. If they're correct, check your tax return to see if you have any offsets or debts that could have reduced your refund amount (child support, past taxes, student loans, etc). Also, some banks hold large deposits for a few days, so check with your bank specifically about that policy.

I had this EXACT problem but with TurboTax not H&R Block. After 3 weeks of confusion I finally used claimyr.com to reach an IRS agent who told me my bank had rejected the deposit because the name on my tax return didn't exactly match my bank account name (I used my full legal name on taxes but my bank had my nickname). They were already processing a paper check. Just having a definite answer was such a relief after weeks of stress!

something similar happened to me and i was FREAKING OUT but it turned out the bank was holding my deposit for review becuz it was over a certain amount. they never notified me! might want to specifically ask your bank if they're holding any large deposits for review.

I had a hard time figuring out my refund situation too. I used taxr.ai to understand my transcript and it showed me exactly what was happening - turns out there was a review code I didn't understand that was delaying everything. The tool translated all the IRS codes into plain English and even gave me a timeline. Saved me so much confusion! https://taxr.ai

Contact the IRS directly. H&R Block has nothing to do with your refund once your return is filed unless you specifically signed up for their refund transfer product (which costs extra). If you filed electronically and chose direct deposit, the money goes straight from IRS to your bank.

check your account and routing numbers on your actual tax return. common error is people transpose digits. also make sure you didn't accidentally input a savings account number when it's really a checking account or vice versa

Same thing happened to me!!! My refund was supposed to hit my account but never showed up. I used claimyr.com to finally get someone on the phone at the IRS (after trying for days) and found out my bank had rejected the deposit because my husband's name was first on the tax return but I'm first on the bank account. Such a stupid reason but at least I found out what happened. They were already sending a paper check. Talking to a real person at the IRS was the only way I figured it out - my bank had no record of ever receiving or rejecting anything!

I'm surprised no one mentioned this yet but the IRS "Where's My Refund" tool will literally tell you if they're sending a paper check instead of direct deposit. Have you checked that? Sometimes it updates before they even tell you there was a problem.

check your transcript for a specific code: 846 is the refund issued code. what's the date next to it? If it's been more than 5 business days something's wrong. Also look for code 841 which means a refund was cancelled and they're sending a check instead.

I was trying to understand all those weird codes on my transcript after my refund didn't show up too. Wasted hours googling random numbers that made no sense. Finally used taxr.ai and it explained EVERYTHING about my refund in clear English - when it would come, why it was delayed, what each code meant. It even warned me about an issue I didn't know about that was holding things up. Saved me so much time and stress just knowing what was actually happening! https://taxr.ai

Technically HRB doesn't "use" any bank for direct deposit to your personal account. If you just did standard direct deposit, the IRS sends it directly to your bank. If the account/routing number is correct but no money arrived, then either: 1) Your bank rejected it for some reason (name mismatch, closed account, etc) or 2) The IRS is having a delay. You need to call the IRS because if your bank rejected it, the IRS automatically converts to a paper check but this takes several more weeks.