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New Member

How long for direct deposit

How long for direct deposit to hit when you’ve already been accepted?

3 Replies
Level 15

How long for direct deposit

Accepted for processing is only the first step ... now the return must be processed and the refund Approved.


My return got accepted. What happens next?


Congratulations! Accepted means your e-file has passed inspection (such as Social Security numbers are correct and dependents haven't already been claimed) and the government has your tax return. Consider acceptance as your official government packing slip.


Are you getting a refund?

After acceptance, the next step is for the government to review your refund.


During the review process, they look for math errors on your return (extremely rare in TurboTax) and check if you owe back taxes, unpaid child support, or other debts.

If they need to make any corrections, they may offset (reduce) your refund. In some cases, the correction might even increase your refund.


Once that part's done, the government approves your refund, which means it's ready to be deposited or sent.

It can take up to 21 calendar days after acceptance for the IRS to issue your refund, although most refunds go more quickly than that, while a small handful may take a bit longer.


Start tracking your federal refund at the IRS Where's My Refund site.  For state refunds, go to your state government's refund lookup service.


Do you owe taxes?

As you may have guessed, the government processes tax payments more quickly than refunds.


Direct debits are usually withdrawn on the payment date you specified in TurboTax. If that date falls on a weekend or official holiday, the funds are usually taken out the next business day.

If you're one of the millions who filed around the busy April 15, 2020 (April 17, 2020 if you live in Maine (ME) or Massachusetts (MA) due to Emancipation Day) deadline, the government might not debit your payment until after the deadline due to high volumes. On top of that, it can take your bank a few more days to post the debit to your account.


As long as you e-filed by April 15, 2020 (April 17, 2020 for those who live in ME or MA) 11:59 p.m. local time and selected April 15, 2020 (April 17, 2020 for those who live in ME or MA) (or earlier) as your payment date, you won't get penalized for late payment (rejected returns have until April 20, 2020 (April 22, 2020 for those who live in ME or MA) to re-file or mail the return).


Credit card and check payments are treated similarly; as long as the payment was submitted or postmarked by the filing deadline, there's no late payment penalty even if the transaction posts or the check is cashed after the deadline.


If you still don't see a credit or debit transaction 7–10 days after your return has been accepted, call IRS e-file Payment Services at 1-888-353-4537 or contact your state tax agency, as appropriate.

Related Information:


New Member

How long for direct deposit

To whom it may concern,


So i filled my taxes on April 14,2020 and it was accepted. It should of been in my account by May 05, 2020. And it has been longer than 21 days. My Refund is still not in my account. So why everything was accepted nothing has changed on my account. So tell me why havent received it yet? I have never had a problem and i really need answers? I efilled as well so WHY?


Thanks Jessie

Level 15

How long for direct deposit

@jessie25 In "normal" times 9 out of 10 refunds would be sent out within 21 days.  Times are not even close to being normal.  The IRS is backlogged.  It is not possible for TurboTax to speed up the IRS for you.  They are short staffed; and they are processing millions of tax returns at the same time that they have been burdened with the task of processing millions of stimulus checks

TurboTax gives you an estimated date for receiving your refund based on a 21 day average from your date of acceptance, but it can take longer.  Many refunds are taking longer during the pandemic. 


Once your federal return has been accepted by the IRS, only the IRS has any control. TurboTax does not receive any updates from the IRS. Your ONLY source of information about your refund now is the IRS.

You need your filing status, your Social Security number and the exact amount  (line 20 of your Form 1040) of your federal refund to track your Federal refund:

To track your state refund:

If you chose to have your TurboTax fees deducted from your federal refund, that will take some extra time, while the third party bank handles the refund processing.


At least you e-filed.  Take a look at what happened to mailed returns:

**Disclaimer: Every effort has been made to offer the most correct information possible. The poster disclaims any legal responsibility for the accuracy of the information that is contained in this post.**
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