Tax refund late? Use IRS tools to track your money now

If you filed your income tax return before the deadline and you’re still waiting for the IRS to send or deposit your refund, all hope is not lost. The IRS is experiencing more refund delays than usual for several reasons this year, from recalculating taxes paid on unemployment benefits to sending out weekly batches of stimulus checks.

The IRS gives folks the option of two tracking tools to check tax refund status. By using the online tools, you’ll be able see if there’s a problem with your refund or if it’s on its way. Of course, you could also try calling the IRS for help, but the agency warned that phone assistance is “extremely limited.” We’ll tell you the ways to find out about your money. 

We can also help if your third stimulus check is lost since there are also ways to track that payment. You might want to check if the government has back wages you need to claim. If you have children, here’s how to calculate how much money you might get through the expanded child tax credits this year. We have updated this story. 

Why are there tax refund delays?

Because of the pandemic, the IRS ran at limited capacity in 2020, which put a strain on its ability to process tax returns and send out stimulus checks. The IRS is now open again and processing mail, tax returns, payments, refunds and correspondence, the agency said, but the pandemic continues to cause delays in some services.

The IRS said it’s issuing most refunds in less than 21 days right now but some are taking longer, including for mailed paper tax returns. The IRS said it’s also taking longer than 21 days to issue refunds for some 2020 tax returns that require review, such as determining recovery rebate credit amounts for the first and second stimulus checks or figuring earned income tax credit and additional child tax credit amounts.

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How does the IRS show you the status of your refund online?

To check the status of your income tax refund using the IRS trackers, you need several things on hand: Your Social Security number or Individual Taxpayer Identification Number, your filing status — single, married or head of household — and your refund amount in whole dollars, which you can find on your tax return. Also, make sure it’s been at least 24 hours before you try tracking your refund.

Using the IRS tool Where’s My Refund, enter your SSN or ITIN, your filing status and your exact refund amount, then press Submit. If you entered your information correctly, you’ll be taken to a page that shows your refund status. If not, you may be asked to verify your personal tax data and try again. If all the information looks correct, you’ll need to enter the date you filed your taxes, along with whether you filed electronically or on paper.

The IRS also has a mobile app, called IRS2Go, that checks your tax refund status. The IRS updates the data in this tool overnight, so if you don’t see a status change after 24 hours or more, check back the following day.

What is an IRS ‘310’ tax refund?

If you receive your tax refund as a adirect deposit, you may see “IRS TREAS 310” for the transaction. The number “310” identifies the transaction as an IRS tax refund. If you see “449” instead, it means your refund has been offset for delinquent debt.

What does this message mean about your refund?

Both the IRS tools (online and mobile app) will show you one of three messages to explain your tax return status.

• Received: The IRS now has your tax return and is working to process it.
• Approved: The IRS has processed your return and confirmed the amount of your refund, if you’re owed one.
• Sent: Your refund is now on its way to your bank via direct deposit or as a paper check to your mailbox. (Here’s how to change the address on file if you moved.)

When should you expect to get your tax refund this year? 

The IRS usually issues tax refunds within 21 days, and many people get their refunds much sooner. However, this year, with the IRS facing complications, some taxpayers are expected to face longer wait times to receive their payments. 

If there are any errors, it might take the agency longer to process and issue your tax refund. The same goes for people who filed a claim for an earned income tax credit or the child tax credit. (Here’s who qualifies for the child tax credit.)

The date you get your tax refund also depends on how you filed your return. For example, with refunds going into your bank account via direct deposit, it could take an additional five days for your bank to post the money to your account. This means if it took the IRS the full 21 days to issue your check and your bank five days to post it, you may be waiting a total of 26 days to get your money. 

If you submitted your tax return by mail, the IRS says it could take six to eight weeks for your tax refund to arrive. That’s where tracking your refund comes in handy. Here are some possible dates when you could receive your refund if you filed or plan to file electronically.

What’s causing the delay with your tax refund? 

The IRS has a list of reasons your refund could potentially be delayed.

• Your tax return has errors.
• It’s incomplete.
• Your refund has been affected by identity theft or fraud.
• You filed for the earned income tax credit or additional child tax credit.
• Your return needs further review.
• Your return includes Form 8379 (PDF), injured spouse allocation — this could take 14 weeks to process.

What about calling IRS customer service with questions? 

While you can call the IRS to check your status, the agency’s live phone assistance is extremely limited right now, so you may wait on hold for a while to speak to a representative. Also, the IRS says you should only call if it’s been 21 or more days since you filed your taxes online, or if the Where’s My Refund tool tells you to contact the IRS. Here’s the number to call: 800-829-1040.

For more information about your 2020 taxes, here’s how to claim missing stimulus money on your taxes and everything to know about the third stimulus check.