PATH Act and 5 days early

[TopherThom]

So I've seen a lot of conflicting information. I filed and was accepted on January 27th. I knew the PATH Act would delay my refund until late February at least. Today when I checked my transcript on the IRS website it finally has that glorious 846 code saying my refund will be issued 2.26.25. 

I paid the $25 to get my refund 5 days early (I'm desperate for this money at this point as most of us are) 

Well 5 days earlier than 2.26.25 would be today Friday the 21st. 

What is the likelihood I will see my deposit today?

[CatinaT1]

There is no specific timeframe. You should get an email from TurboTax when your refund is on its way. Some didn't get an email until late in the day, but still got their deposit.

For more information click on the link below

5 Days Early Option

If you don't get your deposit, there is a few reasons why that might happen.

• Your refund was offset or differed from their estimated refund amount, bringing the refund amount below the minimum threshold or above the maximum. What is a refund offset?
• Your bank wouldn't accept RTP (Real Time Payments) or Same Day ACH deposits, preventing Intuit from depositing your refund up to 5 days ahead of when the IRS would have deposited your refund.
• The IRS didn't give Intuit up to 5 or more days of notice in advance. This stopped Intuit from meeting the up to 5 days early expectations.

If TurboTax is unable to deliver the refund up to 5 days early, your order will be canceled and you won't be charged the up to 5-Day Early fee. You will receive a follow-up email with a refund and timing update, and if any cancellation is applicable. 

If you don’t receive an update email or an automatic refund (if applicable) within a few days, you can contact TurboTax Customer Support by clicking the link below.
 

TurboTax Phone Number

Edited 2/25/25|9:09am PST

[TopherThom]

If there is no guarantee then why offer the 5 days early at all? It's giving people false hope. How can a service dealing with people's money make such a bold claim but not back it up? For most people in this country 5 days is the difference in being evicted, or going hungry. 5 days can make a huge difference in a person's life when it comes to money matters.

[Teenie0724]

I'm I the same boat do u have an account with sbtpg to have fees taken out  because it's showing I don't n I did the same thing as u 

[Teenie0724]

.I'm in the same situation as that person but sbtpg says I have no account does tt use a different account when u opt to 5 days early I'm a pather as well

[TopherThom]

To be honest I'm not sure what that is. I filed with TT and have my DD being sent to my Cashapp. As of 2:21pm on the 21st I've received nothing, and I'm finding it very hard to get any answers at all. I just want my money so I can live.

[CatinaT1]

Be patient, especially if you have not gotten an email saying they were unable to make the deposit early. There is no specific timeframe. Some have come during the late afternoon/evening hours.

[Sanoyer]

I've seen that too when I checked stpg or whatever that bank is.  Then I have seen others do the 5 day early and apparently those who have they don't go thru stpg that it's a completely different bank.  I was told that with a DD date of 2/26 then funds should be in bank account by end of business day on 2/21.  So at this point it's hard to believe who says what ...but guess we shall see

[tomiakg542]

Mine says 2/26  and just got mine in bank at 3pm 5 days early and I'm under path act

[Sanoyer]

U were one of the lucky ones then..mine said they couldn't do it ....just checked TT 

[TopherThom]

That's awesome! Still haven't seen mine.

[wrxtuner24]

I had the same issue. Just spoke to someone at TT and they told me if you selected 5 Days early, it went to a bank other than SBTPG. However, they canceled my 5 Days early so now it's in limbo. I'm thinking the 5 days early may now cause me a delay. We shall see what happens on my DDD Monday. TT keeps advertising things and then when unable to deliver, claims they have no control. If they have no control, they shouldn't advertise. Just ropes people into filing with them and is false advertising.

[TopherThom]

I couldn't agree more. It was just a scheme to get people to file with them. Waited all day yesterday in hopes of my deposit just to see the 5 days early was cancelled at 9pm. That's the entire reason I went with TT this year. So here I am waiting for Wednesday (fingers crossed)

I'll never use TT again. 

[ranchertim]

This is funny because we never got an email telling us anything. Only reason I knew we weren't getting the 5 day early is because I checked on turbotax. 

[Momma505]

You won't,  cuz Turbo tax refunded that 25.00 cuz we are expecting those credits and IRS can't give those early, any who I got my transcript for the first time and don't know how to read them ,any advice...