Why does the IRS still rely on paper mail for such critical communications? Wouldn't it make more sense to use the email address we provide on our tax returns? I'm financially dependent on my refund this year and can't afford these delays. For those wondering, you can check if you need to verify your identity here: https://www.irs.gov/identity-theft-fraud-scams/verify-your-identity even without receiving the letter. I confirmed this with an agent yesterday after waiting on hold for 3 hours. They're experiencing higher than normal verification requests this year due to increased fraud prevention measures.

There's a specific IRS code for identity verification holds - TC 9504. If you can access any transcript at all, look for this code. It won't show on your account transcript until they've begun processing your return, but it explains the blank transcript situation many people are experiencing. The verification letter is officially called Letter 5071C, 5747C, or 4883C depending on your specific situation. If you know you need to verify, you can sometimes do it proactively through the IRS Identity Verification Service without waiting for the letter.

I've been through this multiple times with SBTPG and different banks. Here's what's actually happening: 1. First, IRS approves and sends your refund to SBTPG 2. SBTPG receives it and marks it as "funded" in their system 3. SBTPG then deducts any fees you agreed to when filing 4. They initiate an ACH transfer to your bank (Credit Karma) 5. Credit Karma receives the ACH notification 6. Credit Karma processes and posts to your account Steps 3-5 can take 1-3 business days even though SBTPG shows "funded." The status just means they received it from the IRS, not that they've completed sending it to your bank.

I had this exact situation on April 2nd. SBTPG showed funded at 10am, but Credit Karma didn't show the deposit until April 4th at 3pm. SBTPG's "funded" status just means they've received the money from the IRS and are preparing to send it to your bank. In my experience with three different tax seasons using Credit Karma, there's always a 24-72 hour delay between SBTPG showing funded and the money actually appearing in your account.

Don't panic yet. This is normal. Happens every year. System overload. Keep checking WMR daily. Transcript updates weekly. Usually Thursday night. Check Friday morning. Most returns process in 21-45 days. Credits add time. Joint returns sometimes take longer. You'll get your money.

Be cautious about assuming everything is fine based solely on an acceptance confirmation. While the Initial Processing Verification (IPV) stage typically generates an acceptance notification, this only confirms your return passed basic validation checks. What you're experiencing could indicate your return is in the Error Resolution System (ERS) queue. I've seen cases where returns sat in ERS for 60+ days with no transcript updates, and the taxpayers were never notified. If you reach day 30 with no transcript updates, I strongly recommend initiating a trace action through the IRS Customer Service line or via Form 4506-T to verify your return's status in the Master File system.

I've been using Go2Bank for three years now for my tax refunds. In my experience, they're usually pretty good about early deposits, but not as consistently early as Chime or Cash App. Last year, my refund hit at exactly 4:23 PM the day before my DDD. The year before, it came right on the DDD date at around 9 AM. One thing to keep in mind is that the IRS sends refunds in batches, and sometimes your bank's processing time can add an extra day or two. Don't worry too much yet - especially if your WMR tool shows approved and your transcript has the 846 code with the 3/15 date.

I just received my deposit with Go2Bank about an hour ago! My DDD was 3/15 as well. Have you checked your account recently? Sometimes they don't send notifications right away. I've noticed that Go2Bank tends to process their deposits in waves throughout the day, unlike some banks that only do it once in the morning. Are you seeing the deposit pending in your account or nothing at all yet?

Looking at the bigger picture here - has anyone considered that this might actually be faster in some cases? When the 5-day advance gets canceled, SBTPG sometimes processes more quickly because they're not doing the advance loan paperwork. Got my refund in 2 days after IRS approval last year when my advance was canceled. Anyone else notice this trend?

SBTPG has a status tracker. Use it. Enter your info. Check daily. Mine showed "unfunded" until IRS sent payment. Then "funded" status appeared. Money arrived next day. System works predictably despite the cancellation. Keep monitoring both WMR and SBTPG sites. Updates happen overnight usually.