Cross River Bank

Thank you for reaching out to us. We understand you are encountering issues with cashing your TurboTax Up to 5 Days Early tax refund check. We are committed to ensuring you access your refund swiftly and smoothly. Please rest assured that your check is legitimate and contains several security features to facilitate a hassle-free deposit.

Tips to deposit (we recommend depositing your check to avoid delays) or cash your check:

• Deposit at a bank: Depositing your check into your bank account is preferred over cashing it. Check-cashing locations may charge fees and be less likely to cash large checks like tax refunds.
• Name Matching: For bank deposits, ensure the name on your check matches the name on the bank account where you intend to deposit it.
• Bank Holds: Your bank may place a temporary hold on the funds until the check clears. This is a standard bank policy and is not an indication the check is fraudulent. We have no control over this process. 
• Bank and check cashing limits: Many banks and check cashing locations have maximum limits on check amounts they will cash. Ask your bank or check-cashing location what their limit is prior to visiting to determine whether you can cash it there.
• Check Cashing Tips: The person(s) whose name(s) are on the check must be present and present ID to cash the check. For example – if a check name says “John Doe and Jane Doe” on it, then both John Doe and Jane Doe need to cash the check together in person. Each person must bring a valid government-issued identification card – driver’s license, passport, state-issued ID card.
• Enhanced Security: This check is issued with the highest security standards. If your bank or check-cashing service has any concerns, they can verify it directly with Intuit by calling 1-800-780-9247. A dedicated team is available to assist with verification.
• Check Returns: If your check is uncashed after 90 days, we will void your check and return your refund to the IRS. You may then work directly with the IRS to receive your tax refund.

Your refund check contains security features to ensure a hassle-free deposit, including:

• Magnetic ink that's only readable by special check cashing machines.
• Reflective ink shows hidden words if the check is copied.
• Images on the check that disappear if the check is copied.
• Microtext printed on the check that is too small to see with the naked eye, and too small to be copied or scanned.
• Check background printed with special ink that fades to white when copied and bleeds when it comes in contact with liquids.
• Special test strips that react to check washing chemicals such as acetone.

We appreciate your patience and understanding during this period.

If we were unable to expedite your refund, your refund will be delivered by the date provided in the IRS Where’s My Refund site and you will not be charged for 5 Days Early. You will also see a notice that “We could not expedite your refund. No 5 day early fee was charged” as part of your TurboTax refund tracker.

Thanks for the automated response. But in my case, what you have explained is already proven false. I received an email saying the "5 day early offer can not be kept" almost a week ago. And I do not see how you can have my funds deposited into my account on the 26th (tomorrow), if Turbo Tax hasn't even been paid their fees yet, and there is no action by Cross River and my funds are also not with Santa Barbara... so I am going to assume Cross River is holding it until the 26th then will need to transfer to TT and TT will then transfer to me. All the while gaining interest on my funds and everyone else's who is being held. And because we have no way to monitor, nothing with TT, SBTPG or TT, we are all left to sit with great anxiety. 

I accidentally put the wrong direct deposit account number on my return it is 1 number off how can I find and who can fix it

Unfortunately, if you have already filed and your return was accepted, you won't be able to change your direct deposit information.  If the bank kicks the deposit back, then the IRS will issue you a paper check.  

If you haven't filed yet, please follow the steps in this TurboTax Help Article: How do I change my transferred direct deposit information?

@desiree1491 

IRS  sent my check to my Navy Federal  account on the 20th of February,  Instead  of Cross River taking their  fees  out, that took my entire refund and deposit it into one of their accounts.  Every time  I call them, every department has an answer  machine including  loan, debit cards and other departments, you can't  speak with anyone.  It's been since the 14th since IRS approved  my refund,  today is the 3rd of March. I will never use Turbo  again.

Once the IRS approves a your refund, TurboTax attempts to transfer the refund to your bank account. TurboTax will send you an email letting you know if we were able to successfully deliver your refund up to 5 Days Early. If we were successfully able to deliver the refund up to 5 Days Early, your refund is expected to be in their bank account the same day the you received an email from us.

If we were unable to successfully expedite a refund, you should expect your refund to be delivered by the date provided in the IRS Where’s My Refund site. Your funds will be sent to the your bank or to you in the mail. It may take 5 days for your refund to show in your bank account, or several weeks for your check to arrive in the mail.

This is a lie

I received my check a week ago. Everywhere I go the check from intuit via crossovers is rejected. 

cross rivers bank claimed that they have no access to the account and the 91 in the routing number on the check is an account belonging to INTUIT. 

last year I use turbo tax for sure. 

It seems some checks are not being cashed by certain financial institutions because they exceed the limits in place by that particular company.  In some situations, these checks are being referred to as fraudulent; however, they are not.  Make sure the name on your check matches the name on your bank account. Try to go to your local bank to open an account so you can deposit the check.  Some banks will allow you to open an account but will retain a small portion of the deposit until the check clears.  Another option is to find a bank that can cash large checks without any restrictions.

yes exactly right now they will send your refund back to the IRS to issue you a check from the department of treasury

I've done all of that it gets you no where but a headache

I found a solution to your exact problem... Message back and I'll send you an email and we can go from there. To much to text.

Help

@lupita8393 What are you having problem with?

My refund was supposed to be deposited today. When I call TT they have no record of my taxes but send me a link to check wheres my refund. I need to know where my money is.

While you do get a date from the Internal Revenue Service as to when your refund should be available, they do not specify exact times. If you have a deposit date of today and have not received your refund yet, be patient.

There are no fixed times or hours when you can receive your 2024 tax refund during the 2025 Tax Season.

Additionally, each bank varies on when they post direct deposits. Even if your bank "usually" posts direct deposits at a certain time, they may handle Tax Refunds differently. Some banks might post once in the morning and once in the afternoon, only one time a day, and some may instantly.

In the Community, we do not have access to your TurboTax account and can not tell you where your refund is or why you do not have your deposit yet.

If your refund date has passed and you have not received your refund, it may be that your direct deposit, for a variety of reasons, was not able to be completed and your refund is coming as a paper check to the address on your return.

If you need to call TurboTax Customer service, here is a link:  Turbo Tax Customer Service 

I have recommended a fraudulent check from intuit and CRB and not sure how to resolve and get my refund

Yes that is what I was told as well still no refund 

Nope you gone keep wondering 

I’ve done that and it was still was

rejected there was dedicated number when mine was considered fraudulent my bank reversed the check this was February 27th and turbo tax still had not resolved my issue I have 20 case numbers I’ve filed a complaint with the better business bureau 

I will do the same. I am an attorney and plan on fooling a suit on them as well...

If the bank has concerns with the validity of the check, they can contact Intuit directly at 1-800-335-9612.   A dedicated team is available for verification purposes.  Also, if the check is uncashed after 90 days, the check will be returned to the IRS.  The taxpayer can then work with the IRS to receive their tax return.

lol stop saying that to people, turbo tax is ridiculous. I had a supervisor tell me you all should’ve been educated on this. Her direct words were “they’ve been given plenty of education material on this subject. I don’t understand why they’re still saying that” so if you chose the five day early option, and your direct deposit was declined you are not going to automatically get a check from the IRS you are going to get a check from cross River bank and it is incredibly hard to cash. If you have a bank, take it to your bank in your bag will put a six day hold on it and that’s all you can do. good luck