Last year I had a similar situation with code 846 dated for March 15th. I remember it clearly because I was planning to use the money for my son's spring break trip. The money actually hit my account on March 14th, a day early! I've noticed that Bank of America sometimes processes government deposits a bit early. My sister had Chase and got hers exactly on the date shown. So your mileage may vary depending on your bank, but it's usually right on time or occasionally a pleasant surprise of being early.

Be careful about counting on that exact date. My transcript showed 846 for February 8th, but my bank held the deposit for 2 additional days for "verification" since it was over $5,000. Caused me to bounce two automatic payments I had scheduled. Different situation than most people who get their money right on time, but just sharing so you're aware that things can go wrong even after the IRS does their part. If it's critical timing, maybe call your bank in advance to confirm they won't hold a government deposit.

I'm not entirely sure, but could there possibly be an issue with the routing number you used? CashApp sometimes provides different routing numbers for government deposits versus regular direct deposits... Have you verified that you used the correct routing number specifically for tax refunds?

This is a common issue with fintech platforms like CashApp during peak tax season. The Automated Clearing House (ACH) network that processes these transactions operates on a batch processing schedule, and some financial institutions hold incoming government deposits for additional verification. The trace number indicates successful transmission from the Treasury Department, but CashApp's internal processing may take 3-5 additional business days. If your CashApp account is not fully verified (requiring SSN, ID verification, and address confirmation), this can extend the holding period to 7-10 business days under FinCEN regulations.

I received my refund on February 17th, exactly one day before my scheduled DDD of February 18th. SBTPG showed funded on February 15th. The timing appears to be consistent with what you're experiencing. Based on the patterns I've observed, you should likely receive your deposit on March 24th, assuming your bank processes weekend ACH transfers. If not, it would likely be Monday, March 25th. The exact timing depends significantly on your financial institution's processing schedule.

I've been tracking this pattern for the last three tax seasons. In 2022, SBTPG held my refund exactly until the DDD. In 2023, I received it one day early. This year (2024), I received it two days before the DDD after SBTPG showed funded. The inconsistency likely relates to their internal processing volumes and banking relationships. My credit union specifically mentioned they release funds as soon as the ACH transfer is initiated, rather than waiting for the official posting date that might be included in the transfer details.

PLEASE be careful about counting on a specific date! I'm literally crying right now because I was PROMISED my refund by March 15th and planned my rent payment around it! The IRS website said 21 days, my tax preparer said 21 days, but here I am on day 36 with NOTHING! Now I'm facing late fees and possibly eviction because I trusted their timeline! Don't make financial commitments based on expected refund dates!!!

Has anyone tried using the IRS2Go app instead of the website? I've found it sometimes updates faster than the website, though why would the same agency have different information on different platforms? Also, have you checked if you have any past-due federal debts that might cause an offset? Student loans, child support, state taxes from previous years? Those can silently delay your refund without any notification until after the fact.

I work with tax clients and see this frequently. Check the IRS2Go app for a different view of her status - sometimes it shows more info than the website. Also, according to IRS.gov/refunds, they're still processing some returns from early 2023 due to staffing shortages. If it's been more than 9 months, you definitely qualify for Taxpayer Advocate help, which you can request online at taxpayeradvocate.irs.gov.

I experienced an 11-month delay for my daughter's first return. Per Internal Revenue Manual 21.5.6, first-time filers often undergo additional verification procedures that can add 120-180 days to processing time. In our case, her return was stuck in the Income Verification Program (IVP) due to her college reporting scholarship income differently than she reported it. Once we identified this through her transcript and provided documentation, the refund was released within 3 weeks.