Irs says my federal refund was deposited but i dont see it in my bank account

[19742]

The IRS says it sent my refund to my bank on the 15th of April. But it is still not in my bank account. What should I do?

[Critter]

Ok ... did you check the DD info you used ?  Is it correct ?   Did you check with your bank yet ?

If the DD  is not correct  or your name is not on the account then the bank will reject the deposit and the IRS will convert the refund to a check mailed to the address on the return ... expect this conversion to take 3 weeks or more due to the current virus situation.

[ellendwills]

This has been resolved, thank you 

[Bugsdom2013]

The irs says my funds was scheduled to be deposited on june 24,2020. It was not. I checked with the bank and nothing. Checked back on irs site and date still says June 24

What now?

[DoninGA]

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@Bugsdom2013 wrote:

The irs says my funds was scheduled to be deposited on june 24,2020. It was not. I checked with the bank and nothing. Checked back on irs site and date still says June 24

What now?

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IRS website for federal tax refund FAQ's - https://www.irs.gov/refunds/tax-season-refund-frequently-asked-questions

What is happening when Where’s My Refund? shows my refund’s status as approved?
We’ve approved your refund. We are preparing to send your refund to your bank or directly to you in the mail. This status will tell you when we will send the refund to your bank (if you selected the direct deposit option). Please wait 5 days after we’ve sent the refund to check with your bank about your refund, since banks vary in how and when they credit funds. (It could take several weeks before you receive a mailed refund check.)

[mesquitebean]

@Bugsdom2013 

In addition to DoninGA's answer above, did you happen to pay any TurboTax fees out of your refund?

If so, there is another link in the chain that you can check in the meantime if you used that service to pay fees.

If you chose that option to pay the fees, after the IRS releases your refund, the funds go first from the IRS to a temporary account at an intermediary bank where the fees are subtracted.   Then that intermediary bank sends the rest of the funds on to your bank (or card.)   If you used that method to pay fees, and if the IRS has actually released the funds, we can tell you how to check on the funds at the level of the intermediary company (SBTPG).

[Seantastic12]

Just looking for my refund let me know what's going on please.

[mesquitebean]

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@ Seantastic12 wrote:

Just looking for my refund let me know what's going on please.

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No one can know anything specific in this user community about your refund, but we can tell you some things to check.

What's your story?  We don't know anything about your situation, or what you have already done.   So we have to start at the beginning:

First of all, if you efiled, are you sure your return was successfully filed and accepted?  (If you used Online TurboTax, you can check at the Tax Home of your online account.)

If so, then what do you find at the IRS "Where's My Refund" tool?

https://www.irs.gov/Refunds

Does it say your return is still processing, or does it say a refund has already been sent?

Did you choose to pay any TurboTax fees out of your Federal refund?   If so, and if the IRS tool says the refund has been sent, it first goes from the IRS to an intermediary bank where the fees are subtracted.  If that's your situation, and the refund has been sent, we can tell you how to check on it at the company website that handles that process.

[mimibeach09]

IRS says my refund was deposited on April 7th. I did not receive my federal. 

[mesquitebean]

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@ mimibeach09 wrote:

IRS says my refund was deposited on April 7th. I did not receive my federal. 

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Are you referring to the IRS "Where's My Refund" tool at their website

https://www.irs.gov/Refunds

 or did you speak to the IRS?

Did you have any TurboTax fees that you chose to pay out of your Federal refund (which uses an intermediary bank), or were the funds supposed to go directly from the IRS to your bank account (or card)? 

[LatinDancer64]

I had a refund coming to me from Turbo tax and I told them to take the money from the refund check but I never got my refund check. This was last year

[mesquitebean]

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@ LatinDancer64 wrote:

I had a refund coming to me from Turbo tax and I told them to take the money from the refund check but I never got my refund check. This was last year

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If you paid TurboTax fees out of your Federal refund, the 2019 refund would have come by direct deposit from an intermediary bank, unless the deposit failed, in which case it would then come by a paper check.  

With that method the IRS sends a direct deposit to an intermediary bank where the fees are subtracted.  Then that intermediary bank sends the rest in a second direct deposit to your bank (or card) account.   If the deposit to your bank fails, it goes back to the intermediary bank which would issue you a check in the mail.

First, be sure your efiled 2019 return was accepted.  If you used Online TurboTax, log in, and at the Tax Home scroll down to the section "Your Tax Returns & Documents".  Expand that section and choose tax year 2019.   What does it say about the 2019 return--does it say "accepted?"

If the return was successfully efiled, the next step is to speak to the IRS to see if your 2019 refund was approved and sent, or whether your 2019 return has been delayed and is still processing.  It's not an easy task to reach them due to pandemic-related staff shortages, busy tax season, increased duties with stimulus payments, etc..   

IRS:  800-829-1040 (7AM-7 PM local time) Monday-Friday

When calling the IRS do not choose the first choice re: "Refund", or it will send you to an automated phone line.

• First choose your language.  Then listen to each menu before making the selection.
• Then press 2 for "personal income tax".
• Then press 1 for "form, tax history, or payment".  
• Then press 3 "for all other questions."
• Then press 2 "for all other questions." 
• It may then ask for your SSN, but do not enter it.  Just wait.    If it asks for SSN a second time, still do not enter it.
• Then it will get "tired", and you'll get another menu.  Choose 2 for "personal".
• Then in the next menu choose 4 for "all other inquiries", and it should transfer you to an agent but expect a long wait.
• I usually use a speakerphone so I can work on something else while waiting.

If the IRS says that they approved and sent your 2019 refund, you could phone the intermediary company that takes out the TurboTax fees to see if they every received your 2019 refund.  That company is called SBTPG (Santa Barbara Tax Products Group.)

Do not use the SBTPG  refund lookup tool--it's currently for 2020 returns only.

SBTPG has a phone contact page at the following link. It also shows their business hours. 

https://help.sbtpg.com/hc/en-us/articles/230084587-Contact-Information

[mesquitebean]

SBTPG has a phone contact page at the following link. It also shows their business hours. 

https://help.sbtpg.com/hc/en-us/articles/230084587-Contact-Information

[Letty Anger]

Why is my refund still not in my bank account?

[DoninGA]

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@Letty Anger wrote:

Why is my refund still not in my bank account?

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READ the answer directly above your post.

[luckygoddess16]

I have been trying to find my refund since March 3, along with my stimulus money ànd my child tax credit. I think this is ridiculous. The irs already did the 90 investigation. They couldn't see nothing as what they told me. Ive done so much research an each and Everytime I call a business that I used, turbo tax, Santa Barbara tax group, credit karma spending account, Mvb bank, greendot bank as well as the irs. Each an everyone tells me a different answer. I have asked to speak with several manager and supervisor. They just can't give me a answer, they don't know anything or they don't have the tools to look the transactions up. Which I know for a fact due to all the research I've done, if the bank rejects the transactions it will go back to Santa Barbara, then they will attempt once more. If the transaction was not accepted the tax group will out the refund on hold till further notice. 

I double check everything and two different area my direct deposit account number is missing a number. But in another area the account number is correct. 

I will like to know what happened, àn when will I receive my money. 

I need this money asap. I've been homeless since October and just got out of a abusive controlling relationship. 

I'm now ready to get back on my feet. Please help I need my money. I mean come on it's been 6 months that's I82 days and a 132 business days