Tax Refund Anticipation Date: Your 2024 Refund Date?
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Doing your taxes can be stressful for your mind and wallet. We at eFile.com understand this and we will do our best to get you your tax refund as fast as possible, though this is dependent on the IRS processing rate once it has been accepted. You also have our promise as your guarantee that the eFile platform will calculate the highest possible tax refund you are entitled to based on the information you enter. Use the tool below to get an estimated date for when you can expect your refund.
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Tax Refund Direct Deposit
Select bank direct deposit transfer method to receive your federal and state tax refunds. Once the IRS has accepted your tax return, your tax refund will be electronically transferred from the IRS (U.S. Treasury) to the bank account you entered during your online tax return process at eFile.com. There are no bank transfer or processing fees if your tax return was free or if you paid by credit card. Estimated tax refund dates are based on the IRS acceptance date and are not guaranteed by eFile.com or the IRS. Depending on IRS security procedures, the tax refund date could take up to 21 days after the IRS tax return acceptance date or as early as 7 days via the bank direct deposit method.
Certain tax credits may delay the issuing of your refund. For example, if you claimed the Earned Income Tax Credit (EITC) and/or the Additional Child Tax Credit (ACTC), it might take longer for the IRS to process your return. The IRS is required to not issue entire tax refunds with the EIC or ACTC until late February. The IRS intends to provide taxpayers with EITC or ACTC credits with an update on their refund typically after February 15 and those refunds will likely show up by the first week of March. This is for identity and security reasons to make sure you receive the refund instead of another person committing tax return fraud in your name. The entire refund is held, not just the portion associated with the EITC or ACTC.
IRS Security Procedures and Tax Refund Speed
Since the IRS added security measures for filing 2016 and later tax returns to decrease tax fraud, your 2023 Refund may be delayed in 2024. The IRS requires online tax websites to add identity verification steps to ensure that the taxpayer filing their return is exactly who they say they are (i.e. Identity Projection PIN, security questions/answers, stronger passwords, etc.). As a result of these new security measures, the IRS may issue more refunds as paper checks, even if taxpayers requested direct deposit.
Additionally, due to various complications, the IRS has seen extensive delays processing 2020 and 2021 Returns, thus affecting how quickly they issued refunds for these years.
Tax Refund Is Lower Than Expected
If you prepared and e-filed your tax return on eFile.com (or on any online tax site) and the amount of your direct deposit refund is lower than the refund calculated on your federal tax return, then your tax refund may have been adjusted or offset by the Treasury Offset Program (TOP) via the IRS tax return processing procedure, not eFile.com. The program is run by the Financial Management Services (FMS). Under TOP, various federal and state government agencies are authorized to seize outstanding federal or state debts from federal tax refunds.
The FMS may offset part or all of your federal tax refund to pay:
- Unpaid child support
- Federal non-tax debts (including student loan repayments)
- State income tax debts
- State unemployment compensation debts.
You may also receive an IRS Letter CP12 or other notice explaining the adjustment. Additionally, many taxpayers saw adjusted refunds due to incorrect reporting of the Recovery Rebate Credit or stimulus payments. This was due to user entry - not failure of the tax preparation software - and was adjusted by the IRS, often leading to longer processing delays. If you are filing a 2020 or 2021 Return to claim any missing stimulus payments, enter the payment amount accurately to avoid this delay and adjustment. Stimulus payments are not claimed on a 2022 Return, so this reason does not apply to 2022 and future tax returns.
Tax Refund Offset Information
An offset for non-tax debts occurs after the IRS verified your refund to the Financial Management Service for payment, but before FMS direct deposits the refund or mails a paper check to you. The Financial Management Service (or FMS) used to be part of the United States Department of Treasury, however is now under the Bureau of Fiscal Service. FMS is responsible for, among other things, issuing tax refunds and other federal payments, as well as collection of delinquent debts owed to the government. Though an offset reduces the amount of your expected refund via direct deposit or check, it does not delay the time you will receive the remaining refund (if any) after the offset.
You will receive a notice from FMS via mail if your refund has been offset. The notice will list the original refund and offset amounts. It will also include the agency that received the offset payment and their contact information.
If you have non-tax debts, you can contact the agency you owe before you file your tax return. That way, you can determine if the agency submitted your debts to TOP for refund offset.
To dispute an offset, you will need to contact the agency that received the offset part of your refund, not the IRS or FMS. The notice will include instructions on how to contact the appropriate agency or agencies. If you have further questions about your offset notice, you can call the Treasury Offset Program Call Center at 1-800-304-3107.
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