If you’ve already filed your tax return, it’s natural to wonder when your refund will arrive. One of the most common questions is about the exact time the IRS deposits refunds. While the timing can vary based on several factors, there are some general patterns you can expect.
Deposit
The IRS typically processes refunds at midnight, between 12 and 1 a.m. If your refund is scheduled for that night, you may see it reflected in your bank account within a few hours.
However, processing times also depend on your bank. While some banks credit the funds immediately, others may take up to five business days to process the deposit. In most cases, you should have access to your refund on the same day it is deposited.
Process
A tax refund is issued when you overpay taxes throughout the year. If your withholdings were higher than necessary, or if you qualify for refundable tax credits like the Child Tax Credit or Earned Income Tax Credit (EITC), you will receive a refund for the excess amount.
To receive a refund, you must file your tax return. Even if you haven’t filed for previous years, you have up to three years to submit your return and claim any refunds you may be owed.
Timing
The time it takes to receive your refund depends on how you filed your return. Here’s a general breakdown:
| Filing Method | Estimated Processing Time |
|---|---|
| E-file (electronic filing) | Up to 21 days |
| Paper return (mail) | 4 weeks or more |
| Amended return | 16 weeks or more |
| EITC or Child Tax Credit claims | Slightly longer due to verification |
Errors on your return, missing information, or amendments can extend processing times. The IRS conducts additional checks for refundable credits, which can cause slight delays.
Tracking
If you filed electronically, you can check the status of your refund using the IRS “Where’s My Refund?” tool. Updates are usually available within 48 hours after filing.
For amended returns, you should wait at least three weeks before checking the status, as the process can take up to 16 weeks. Using the tracking tool is the fastest way to get an update on your refund.
Patience is key, as IRS processing times can fluctuate. Staying informed and using official IRS resources will help you track your refund and avoid unnecessary worries.
FAQs
What time does the IRS deposit refunds?
The IRS usually deposits refunds between 12 and 1 a.m. midnight.
How long does it take to get a tax refund?
E-filed returns take up to 21 days, while paper returns take longer.
How can I track my refund?
Use the IRS ‘Where’s My Refund?’ tool for real-time updates.
Why is my refund delayed?
Errors, amendments, or EITC/Child Tax Credit claims may cause delays.
Can my bank delay my refund?
Yes, some banks take up to five business days to process the deposit.
