The "Accepted" term from TurboTax only refers to the efile status. After efiling, a status of "accepted" means that your return was received by the IRS in the proper format and accepted to begin processing. It's not the same as "approved", which comes at the end of processing.
If you are receiving both state and Federal refunds, they come separately. So first be sure your deposit was from the US Treasury/IRS and not from a state tax agency.
Go to the IRS "Where's My Refund" tool and look up your refund to see if there are any messages and to see the figure that the IRS approved. When using that tool, use the figure from your Form 1040, Line 35a.
https://www.irs.gov/wheres-my-refund
If the IRS reduced your refund, they should send you a letter in about 3 weeks explaining why and what your options are if you disagree. If you need information before you get a letter, you would need to phone the IRS.
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.
Also see:
FAQ: Why is my refund direct-deposit or check lower than the amount in TurboTax?
https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-refund/refund-direct-deposit-check-l...
