My stimulus payment has been delayed because I e-filed through Trubo Tax. How long is the delay?

[Opus 17 · Accepted solution]

If you used Turbotax and had a direct deposit paid into your regular bank account without using refund processing to pay your fees, then the IRS has your bank info and your payment should not be held up. Also, if you requested your refund be deposited on a NEW debit card, then the IRS has the account number of that debit card and will use that.  Your payment will not be delayed by Turbotax.

If you used refund transfer to pay your Turbotax fees out of your refund, you put another bank in between you and the IRS.  Since the IRS does not have your regular bank account number, they will mail a check. We don't know the time frame for that. 

(Refund transfer is never a good idea and I never recommend it. There are better and cheaper ways of paying the Turbotax fees that do not have a $40 service charge and do not hide your information from the IRS.)

When you use refund transfer to pay your fees from your refund, your refund is sent to a third party bank that opens a new account in your name to receive the refund, they deduct the fees, and send the rest of the money to you. This is because the IRS will not split the refund and pay Turbotax for you. This means that the IRS only sees the account number for your temporary account at the in-between bank and never sees your regular bank account number. You agreed to this, even if you didn't understand what you were agreeing to.

As a result, the IRS may try to send your stimulus payment to a closed account at the in-between bank. When it gets rejected, they will send a check to the mailing address on your tax return instead but it will take longer. You may be able to update the IRS with your actual bank information at their web site.  https://www.irs.gov/coronavirus/economic-impact-payments

[Ejr84]

This is proving to be inaccurate information, as I check all the boxes for being eligible to receive a stimulus deposit, have NOT received my direct deposit, but DID supply my banking info to turbo tax when I filed my 2019 taxes and did NOT use the refund processing method—I paid my fees up front with the same card attached to my checking account. So therefore, by your information provided, the irs should have my bank info and there should be no reason for delay under that reasoning. 

[Opus 17]

How do you know the IRS isn’t screwing up? 

When did you file your 2019 tax return, and what is the status of your refund? Did you file a 2018 tax return last year, and did you use the same bank account for direct deposit, and did you get your refund last year?

[Ejr84]

Filed first week of April. Already received both Maryland AND federal returns via direct deposit. Paid TT fees upfront, not from my return or other methods. 
Filed last year, same account. Same account for 20 years. 

[GiseleD]

The IRS has not given TurboTax any official guidance as to when stimulus payments for every taxpayer will be released. As long as you provided your direct deposit information/card information or mailing address information, you will receive the stimulus when it is released to you (as long as you otherwise qualify for it).

The IRS rolled out the "Get My Payment" tool here. According to IRS.gov, you can use the "Get My Payment" application to:

• Check your payment status
• Confirm your payment type: direct deposit or check
• Enter your bank account information for direct deposit if the IRS doesn't  have your direct deposit information and if they haven't sent your payment yet.
• Receive paper check payments: If you moved since you last filed, let us know your new mailing address.

@Ejr84

[MoreMagic]

I used your stimulus registration tool.i gave my correct information. I got notice it was accepted.on April 15th I check and it had been deposited into the wrong  account with the last 4 of my social listed as the final numbers or this fake account. I do not have a turbo card..why would this happen? Am I gonna get my money direct deposited or did turbo tax make a mistake and now the 1700 dollars that my family and I were counting on is going to be delayed while we have to wait on a paper check..if I even get it then.