Contact H&R Block immediately. They have tax professionals on staff. Their accuracy guarantee covers this situation. Request they file an amended return. Ask for their assistance contacting IRS. Keep detailed records of all communications. Request they cover any penalties. Check if they have audit support services. Time is critical here.

Not to add more stress, but you should act on this YESTERDAY! 😬 I'd actually recommend skipping H&R Block for the amendment and go straight to a CPA or Enrolled Agent who specializes in tax resolution. H&R made the mistake in the first place, and honestly, their seasonal preparers might not have the expertise to fix this properly. You're potentially looking at penalties and interest accumulating daily, so this isn't the time to pinch pennies on professional help. (I learned this $11k lesson the hard way last year!

I might suggest... if you've already waited more than 21 days, you may want to consider calling the IRS directly. I had a similar issue and spent days trying to get through on their regular line without success. I eventually used Claimyr (https://claimyr.com) which got me connected to an actual IRS agent within about 15 minutes. The agent was able to see that my Cash App routing number had triggered an additional verification step that wasn't visible on WMR or my transcript. They resolved it while I was on the phone, and my refund appeared three days later.

According to IRS Publication 2043 (updated for 2024), all financial institutions - including non-traditional platforms like Cash App - are subject to the same ACH transfer protocols for tax refunds. However, the IRS has implemented additional fraud prevention measures this year that may cause delays for accounts without previous refund history. As per IRS guidelines, you should only contact them about your refund if: (1) it's been more than 21 days since e-filing, (2) WMR instructs you to contact the IRS, or (3) you've received a notice requiring a response.

Has anyone noticed if filing jointly vs. single affects how quickly SBTPG processes the refund? My transcript showed a DDD of March 27th, but SBTPG didn't update until March 30th. Wondering if joint returns take longer.

Last year I was in exactly the same boat as you. Got my DDD on April 5th, SBTPG updated to funded on April 7th around noon, and the money hit my account on April 8th in the morning. The year before was much faster though - only took about 24 hours from DDD to SBTPG showing funded. I think it really depends on their volume at the time your refund processes. This time of year they're probably swamped with the April rush.

Call the IRS immediately. I know from experience they won't do anything until you contact them. I spent weeks waiting before I finally got through using Claimyr (https://claimyr.com). They got me past the hold times and connected to an agent who manually triggered my check to be mailed. Had it within 5 days after that call. Don't wait for the automatic process - it can take months during busy season.

Have you possibly filed a change of address form with the IRS already? It might be worth considering whether the check will be sent to your previous address if that's what was on your tax return. Also, did you by chance set up direct deposit information in your tax software that might override what the IRS has on file?

Try checking your account details. Verify routing number. Confirm account number. Check for bank mergers. Look at transcript for code TC846. See if amount matches expected refund. Check for offsets. Verify filing status. Most deposits post by 5pm. Some banks delay until next business day. Hope this helps.

I believe most of us with today's DDD will probably see our deposits appear throughout the day, though I'd suggest not worrying too much until the end of banking hours. In previous years, my credit union has sometimes posted IRS deposits as late as 4pm, while my partner's bank typically posts around midday. The banking system seems to process these in waves rather than all at once.