IRS Refund Direct Deposit Delays — Why Your Refund May Be Late in 2025

For most taxpayers, the fastest way to receive a refund is via direct deposit. But what if your IRS refund was approved and you’re still waiting? Many people in 2025 are asking: “Why is my IRS refund direct deposit late?”

Here’s a breakdown of the most common reasons, how long deposits really take, and what you should do if your money hasn’t arrived.

IRS Refund Direct Deposit Delays (2025) | Why Your Refund Is Late

How Long Do Direct Deposits Usually Take?

Once the IRS approves your refund (often shown as Code 846 on your transcript):

• Direct Deposit: Typically arrives 1–3 business days after the issue date.

• Paper Check: May take 5–10 business days by mail.

👉 If it’s been less than a week since your approval date, your deposit may simply still be in transit.

Common Causes of IRS Direct Deposit Delays

1. Bank Processing Times

Some banks hold deposits for up to 2–5 days before releasing funds. Smaller banks and credit unions may take longer.

2. Weekends & Holidays

IRS deposits don’t clear on weekends or federal holidays. If your approval date was on a Friday or holiday weekend, expect delays.

3. Mismatched Account Information

If you entered the wrong account or routing number, the deposit may be rejected and reissued as a check.

4. IRS Security Flags

Occasionally, the IRS holds refunds for additional verification even after approval.

5. Offset Programs

Your refund may be reduced or delayed if applied to past-due child support, student loans, or federal/state debts.

What to Do If Your Refund Direct Deposit Is Delayed

1. Check IRS Transcript

   • Look for Code 846 (Refund Approved). If present, the IRS already sent the money.

2. Confirm With Your Bank

   • Ask if deposits are pending. Sometimes funds are waiting to post.

3. Allow Up to 5 Business Days

   • Many deposits appear within 72 hours, but some banks take longer.

4. Watch for IRS Notice

   • If your refund is offset or rejected, you may get a Code 971 (Notice Issued).

5. Update Direct Deposit Details Next Year

   • If account issues caused delays, ensure correct information on your next return.

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FAQs About IRS Refund Direct Deposit

Q1: My transcript shows Code 846, but no money yet. Why?

Banks may take 1–5 business days to post deposits.

Q2: Can the IRS reverse a direct deposit?

If account info is wrong, funds may bounce back to IRS and be sent by check.

Q3: Does Code 846 always mean money is on the way?

Yes. Code 846 confirms the refund was issued. Delays are usually on the banking side.

Q4: Should I call the IRS if my deposit is late?

Wait at least 5–7 business days after the approval date before calling.

Final Thoughts on IRS refund direct deposit delay 2025

If your IRS refund direct deposit is delayed in 2025, don’t panic. Most deposits arrive within a few business days after approval. Delays are usually due to banks, weekends, or holidays — not IRS mistakes.

👉 Still worried? Read our guide on IRS Refund Delays 2025.