Quick checklist to act now

  • Check the IRS “Where’s My Refund?” tool and IRS2Go app (IRS source: https://www.irs.gov/refunds). This shows the most current status and next steps.
  • Confirm you filed electronically and selected direct deposit. E-file plus direct deposit is the fastest option for most taxpayers.
  • Re-check the return for obvious data errors (SSNs, names, filing status, bank routing/account numbers).

Step-by-step actions to speed the process

  1. Use IRS online tools first
  • Start with the IRS “Where’s My Refund?” page and the IRS2Go mobile app. These tools reflect processing updates the IRS has recorded and tell you if the return is still being processed, has been approved, or has been sent.
  1. Understand common automatic delays
  • Returns claiming the Earned Income Tax Credit (EITC) or Additional Child Tax Credit (ACTC) are subject to additional review under the PATH Act and are typically held for extra verification (IRS: “Refunds” page).
  • Offsets for past-due federal or state debts can hold or reduce a refund (see Treasury Offset Program). For more on offsets and how to challenge them, see our guide on how refund offsets work: https://finhelp.io/glossary/how-refund-offsets-work-and-when-to-challenge-them/
  1. If your return shows “Refund Approved” but you didn’t get funds
  1. If the IRS requests information, respond quickly
  • The IRS may send a letter asking for documentation. Provide clear, legible copies and return them promptly via the method specified in the notice. Delays in responding are a common reason refunds stay unresolved.
  1. When to call the IRS or seek help
  • E-filed with direct deposit: if 21 days have passed and “Where’s My Refund?” still shows no update, call the IRS phone line or check the online contact options (IRS often posts current guidance on contact times) (IRS refunds tool: https://www.irs.gov/refunds).
  • Paper return: wait at least 6 weeks before calling.
  • Amended returns often take longer—allow up to 16 weeks for processing before escalating.
  • If you face long delays, incorrect offsets, or you can’t resolve the issue with the IRS, contact the Taxpayer Advocate Service for independent help (https://taxpayeradvocate.irs.gov/).

Documentation to have ready when you call

  • A copy of the filed return (Form 1040 and schedules)
  • Any IRS notices you’ve received
  • Your Social Security number or ITIN and date of birth
  • Exact refund amount shown on your return
  • Bank account and routing numbers (if you elected direct deposit)

Prevent future delays (practical tips)

  • E-file with direct deposit and confirm bank details.
  • Use accurate Social Security numbers and dependent information.
  • If eligible for EITC/ACTC, expect additional verification timing and keep supporting documents ready.
  • Use reputable tax software or a qualified preparer to reduce errors.

When to consider escalation or professional help

  • You’ve waited more than 21 days after e-filing (or 6+ weeks after a paper return) with no status change.
  • You received an offset notice you believe is incorrect — see our article on offsets for next steps: https://finhelp.io/glossary/how-refund-offsets-work-and-when-to-challenge-them/
  • Identity theft or suspected fraud involving your refund.
    In my practice I’ve found that calling prepared with the exact documents above reduces call time and speeds resolution.

Authoritative sources and resources

Professional disclaimer: This article is educational only and does not replace personalized tax advice. For complex or prolonged refund problems, consult a certified tax professional or the Taxpayer Advocate Service.