For all the people
impatiently waiting
on tax refunds.

A grapevine for taxpayers,
by taxpayers.

Interact with people who have experiences or questions just like you.

All of your tax refund questions, answered.
What Other People Are Saying
22,040 comments

Where’s My Refund?

You have questions, we have answers.

key tax return and refund dates

When can you file your taxes?

You can submit your tax return before the IRS begins processing as early as the first week of the year with many tax preparation providers. You don’t need to wait until the IRS begins accepting tax returns but you must have the proper forms and paperwork. Some forms are not available until mid January. Tax returns filed before the IRS officially opens sit in a “queue” and are held until the IRS officially begins accepting tax returns.

Your tax return may be selected in a test batch. If you e-file early and it sits in queue, your return may be sent to the IRS early. This can result in early direct deposits depending on the payment provider you select. Our cycle chart will update with key dates including test batch dates.

When does the IRS accept tax returns?

The IRS usually opens around the third week of January each year. They announce the opening date early in January.

The IRS will begin accepting tax returns on January 26, 2026.

When is the IRS test batch?

If you file your tax return early, it may be sent to the IRS in a test batch before the IRS has officially opened for the year. It is usually a week before the date the IRS begins accepting tax returns. This has resulted in refunds in the past that can be posted by direct deposit as early as the day after tax season opens.

When will I get my tax refund?

Early filers whose returns are accepted in a test batch can anticipate a tax refund as early as the day after the IRS opens the January filing season if your return was in the test batch. The day that the IRS deposits refunds varies for regular returns but we notice trends based on the method you chose to file and select to direct deposit. You can use our tax refund calendar or refund cycle chart to help find out when you will get your tax refund.

Where is the IRS refund cycle chart?

The IRS no longer publishes an official tax refund cycle chart. It has been eliminated and replaced with IRS FAQ. Since then, dozens of versions have popped up, some better than others.

That’s where we step in.

Get the dates, skip the guessing.

Each year, we compile the most accurate Refund Cycle Chart, built from IRS manuals, payout trends, PATH Act release dates, holidays, and real user updates, so you don’t have to guess when your refund will hit.

Check the IGMR Refund Cycle Chart and see when your money’s coming.

tax refund grapevine

This is a user-to-user community of taxpayers. Share experiences and ask questions below in our Live Discussion. We have learned more about tax refunds than we ever wanted to know.

IRS Update Cycle

Use the IRS Update Cycle chart to find the days and times the WMR and transcript update.

Transcripts

This is what your IRS transcript can tell you about your tax refund.

Transaction Codes

Lookup the codes that you see on your tax return transcript and what they mean.

Daily vs. Weekly

Find out if you have a daily or weekly account with the IRS and what it means.

When are Updates?

The IRS has regular mass update cycles.

WHEN DOES WHERES MY REFUND (WMR) UPDATE?

Where’s My Refund can update any day of the week. But there are mass updates on Wednesday and Saturday when a lot of people see an update. Use our calendar to find out what day you can expect to see updates on Where’s My Refund.

WHEN DO transcripts update?

Transcripts can update any day of the week. But there are mass updates on Tuesday and Friday. Use our calendar to find out what day you can expect to see an update on your transcript.

talk to a human

It is often hard to reach someone at the IRS and you might want to talk to a person. It is hard to reach some tax preparation companies too. Use our guide to talk to a human at the IRS.

TAX TOPIC 152

Tax Topic 152 is the most common status when you check the status of your tax refund. It is nothing to worry about.

transcript codes

Transaction Codes (TC) sometimes called transcript codes consist of three digits and may appear on your IRS account transcript. Decipher the codes on your IRS transcripts.

reference codes

Most times the Wherer’s My Refund tool (WMR) will show Tax Topic 152. Other times you may see various error codes. These are called Reference Codes on the WMR.

Join the Conversation

What Others Are Saying

  1. LLHARRI
    • Tax Preparer:
      Other
    • Date Filed:
      Feb-1
    • Fees:
      Free
    • Bank:
      credit union
    • Bars:
      1st Bar
    • Date Accepted:
      Feb-1
    • Date Approved:
      Feb-21
    • WMR Date:
      Feb-26
    • Transcript:
      Online
    • Cycle Code:
      20250605
    • Cycle:
      Weekly
    • As of:
      Mar-10
    • Processing Date:
      Feb-24
    • I Got My Refund!

    @Kara: They held my husbands. SBBT was funded last Friday but his DD did not hit his CK card until the 20th the day he was suppose to get it. The advance slows the process for sure. Good luck

    Reply
  2. Divaalovee

    Can anyone tell me how to get a tax advocate? I got code 570 and 971 two weeks ago and have not received a letter ? Is there a number I can call ?

    Reply
    1
  3. Malia

    @wade123: me too wade

    Reply
  4. Squirrelsnacks

    I filed on 1/27 and got accepted the same day. My transcripts had no movement for 21 days so i knew something was wrong. I didnt get any letters or notices in the mail. So i decided to call IRS on Tuesday 2/18 and they say said I have to verify myself in person. Made an appointment and verified in person Wednesday 2/19. They told me i would have to wait an additional 9 weeks. However, my transcripts updated this morning and I got an 846 code yay! DDD is 2/26
    I wrote this long message, just in case somebody’s going through something similar.
    Thank you to everyone that has helped answer my questions and gave me advice. I will be back next year. Good luck to everyone!

    Reply
    7
  5. S

    @S. CARTER: My friend’s transcript is reading the same. I think the IRS is processing all day today so that can change.

    Reply
    1
  6. IAMHeiress

    @Walter DOG: Yes, received the letter over a week ago, responded to it same day by online verify for requested info.
    Transcript has been blank this entire time with just a chamging as of date. was told it was moved back into regular processing on 2/13 and under review, then the 810 just popped up this morning.

    Reply
  7. Tim5583

    My wmr says I have an offset but I can’t find anything anywhere. I’ve checked the irs website and I owe nothing. Will it show that cause my loans were forgiven? My transcripts say 846 and refund processed. Any ideas?

    Reply
  8. Sheila_33
    • Tax Preparer:
      FreeTaxUSA
    • Date Filed:
      Jan-9
    • Fees:
      Free
    • Bank:
      Bluebird
    • Bars:
      3rd Bar
    • Date Accepted:
      Jan-15
    • Date Approved:
      Feb-20
    • WMR Date:
      Feb-20
    • Transcript:
      Online
    • Cycle Code:
      05
    • Cycle:
      Weekly
    • As of:
      Mar-9
    • Processing Date:
      Feb-23
    • I Got My Refund!

    @Monee: Well, i didn’t scroll back far enough to see the codes but I always think it’s a positive when the Wmr shows some movement. That 810 is freezing your credits. File anything different this year?

    Reply
  9. sharonchennault

    DD in my bank account this morning.
    Filed 1-28
    Transcripts updated 2-19 with 846 for 3-3

    Reply
    1
  10. Josef1511

    Hey all. Cycle code 20250507. Used to with fees taking out this year. I just checked and sptbg has updated with my account funded and paid out. Suppose to be 2 25 date. I’ll know later today if they send to my bank. I use wells fargo and get my disability 5 days early so this shpuld be early as well I’ll keep updated

    Reply
    2
  11. Sheila_33
    • Tax Preparer:
      FreeTaxUSA
    • Date Filed:
      Jan-9
    • Fees:
      Free
    • Bank:
      Bluebird
    • Bars:
      3rd Bar
    • Date Accepted:
      Jan-15
    • Date Approved:
      Feb-20
    • WMR Date:
      Feb-20
    • Transcript:
      Online
    • Cycle Code:
      05
    • Cycle:
      Weekly
    • As of:
      Mar-9
    • Processing Date:
      Feb-23
    • I Got My Refund!

    We have a link that explains the cycle codes a lot better than I can.
    https://igotmyrefund.com/irs-cycle-code/

    Reply
  12. harrya

    Got 846 ddd2/26 paid for 5 days early so i should get money today?

    Reply
    2
  13. EagerlywaitingNC

    @wade123: Did you get any updates?

    Reply
  14. Horsecharlie09

    What does it mean if your transcript cycle code ends in 0505?

    Reply
  15. Sheila_33
    • Tax Preparer:
      FreeTaxUSA
    • Date Filed:
      Jan-9
    • Fees:
      Free
    • Bank:
      Bluebird
    • Bars:
      3rd Bar
    • Date Accepted:
      Jan-15
    • Date Approved:
      Feb-20
    • WMR Date:
      Feb-20
    • Transcript:
      Online
    • Cycle Code:
      05
    • Cycle:
      Weekly
    • As of:
      Mar-9
    • Processing Date:
      Feb-23
    • I Got My Refund!

    @wade123: Well drat. I was hoping for a 571.

    Reply
  16. Horsecharlie09

    Well hell yeah lol…I haven’t checked won’t or transcripts this entire time until today….got my 846 2/26. Got the CK card but did the advance so I know I won’t get it earlier.

    Reply
  17. Txmomof3girls
    • Tax Preparer:
      Turbo Tax
    • Date Filed:
      Jan-23
    • Fees:
      Free
    • Bank:
      Netspend
    • Bars:
      1st Bar
    • Date Accepted:
      Jan-24
    • Transcript:
      Online
    • Cycle Code:
      20250605
    • Cycle:
      Weekly
    • As of:
      Mar-3
    • Processing Date:
      Feb-24
    • I Got My Refund!

    @Monee: that 810 is a freeze, I would watch WMR and transcripts closely. Hopefully it will resolve quickly!

    Reply
  18. wade123
    • Tax Preparer:
      TaxAct
    • Date Filed:
      Jan-17
    • Fees:
      Free
    • Bank:
      Chase
    • Bars:
      1st Bar
    • Date Accepted:
      Jan-17
    • Transcript:
      Online
    • Cycle Code:
      04
    • Cycle:
      Daily
    • I Got My Refund!

    @Sheila_33: Well, after a week of code 570 I finally updated to 971

    Reply
    1
  19. Sheila_33
    • Tax Preparer:
      FreeTaxUSA
    • Date Filed:
      Jan-9
    • Fees:
      Free
    • Bank:
      Bluebird
    • Bars:
      3rd Bar
    • Date Accepted:
      Jan-15
    • Date Approved:
      Feb-20
    • WMR Date:
      Feb-20
    • Transcript:
      Online
    • Cycle Code:
      05
    • Cycle:
      Weekly
    • As of:
      Mar-9
    • Processing Date:
      Feb-23
    • I Got My Refund!

    @Monee: I would say that’s a positive. :)

    Reply
  20. Vontane

    @batgirlpa: Your actual amount. NOT the amount WITH fees taken out

    Reply
  21. OLTFREEFILER
    • Tax Preparer:
      Other
    • Date Filed:
      Jan-27
    • Fees:
      Free
    • Bank:
      WellsFargo
    • Bars:
      2nd Bar
    • Date Accepted:
      Jan-27
    • Date Approved:
      Feb-21
    • WMR Date:
      Feb-25
    • Transcript:
      Online
    • Cycle Code:
      0405
    • Cycle:
      Weekly
    • As of:
      Mar-9
    • Processing Date:
      Jan-27
    • I Got My Refund!

    @Iwantitnow: congrats!me too same

    Reply
  22. batgirlpa

    When checking with Santa Barbara Bank to see if they received the funds, what amount do I put in? There’s an offset on mine so not sure if I put what I filed for or the actual amount being refunded and sent to SB

    Reply
  23. ceeeteeee

    Is anyone with a 2/24 date still waiting on DD ? i’m using CK and got an advance –

    Reply
    1
  24. Denise N
    • Tax Preparer:
      Turbo Tax
    • Date Filed:
      Jan-26
    • Fees:
      From Refund
    • Bank:
      Chime
    • Bars:
      1st Bar
    • Date Accepted:
      Jan-26
    • Date Approved:
      Feb-21
    • WMR Date:
      Jan-1
    • Transcript:
      Online
    • Cycle Code:
      20260605
    • Cycle:
      Weekly
    • As of:
      Mar-3
    • Processing Date:
      Feb-24
    • I Got My Refund!

    @Iwantitnow: same 🎉🎉🎉

    Reply
    1
  25. S. Carter

    @Paisley: when i go the view my tax record route im able to see im at one bar and says still processing. No EITC or dependents

    Reply
  26. OLTFREEFILER
    • Tax Preparer:
      Other
    • Date Filed:
      Jan-27
    • Fees:
      Free
    • Bank:
      WellsFargo
    • Bars:
      2nd Bar
    • Date Accepted:
      Jan-27
    • Date Approved:
      Feb-21
    • WMR Date:
      Feb-25
    • Transcript:
      Online
    • Cycle Code:
      0405
    • Cycle:
      Weekly
    • As of:
      Mar-9
    • Processing Date:
      Jan-27
    • I Got My Refund!

    846, 2/26 ddd. as of to 3/10,WMR still 1bar path mes.

    Reply
    2
  27. HopeThisHelps

    @Monee: it means you have moved a step further in the process. I assume you have a hold for a debt, and filed Injured Spouse? Just being honest, it can take a while if that’s the case. Filed it myself for about 10 years, and that’s why I assumed the debt. I have been where you are, and I know it’s frustrating. Your best bet is to only go by what the transcripts say, WMR doesn’t always update in those cases. I will say this, in my personal experience with IS filers, whatever the 846 code date is, it usually comes about 12 days earlier than that. ***THIS IS ONLY FOR INJURED SPOUSE FILERS*** I will briefly explain here; Injured Spouse claims take WAY longer to process, so they overestimate the DDD in most of those cases.

    Reply
  28. Paisley

    @S. Carter: ok. I see you’re locked out. When you are able to access WMR again, choose HOH instead of single and see what happens. This happened to me one year.

    Reply
  29. S. Carter

    @Paisley: no i filed single

    Reply
  30. Denise N
    • Tax Preparer:
      Turbo Tax
    • Date Filed:
      Jan-26
    • Fees:
      From Refund
    • Bank:
      Chime
    • Bars:
      1st Bar
    • Date Accepted:
      Jan-26
    • Date Approved:
      Feb-21
    • WMR Date:
      Jan-1
    • Transcript:
      Online
    • Cycle Code:
      20260605
    • Cycle:
      Weekly
    • As of:
      Mar-3
    • Processing Date:
      Feb-24
    • I Got My Refund!

    I’m so excited I woke up to my 846 ddd 2/26/2025 🎉🎉🎉🎉

    Reply
    9
  31. S. CARTER

    @MaryB: i did. I’m locked out now.

    Reply
  32. Horsecharlie09

    @Justgivememymoneyyy: u said deposit date is 2/24 but they don’t know where your money is. If deposit date is 2/24 that’s when u should get it :) hopefully quicker though of course would be nice :)

    Reply
  33. JustTrynnaHelp

    @New here25: Not 100% on this, but I think it’s Green Dot for H&R block.

    Reply
  34. Monee
    • Bank:
      Varo
    • Transcript:
      Online
    • Cycle:
      Weekly
    • I Got My Refund!

    @MaryB: it’s a refund freeze code.

    Reply
  35. Monee
    • Bank:
      Varo
    • Transcript:
      Online
    • Cycle:
      Weekly
    • I Got My Refund!

    Not sure if it matters but wmr just switched from “still processing” to “is being processed” about an hour ago.

    Reply
  36. MaryB
    • Tax Preparer:
      H&R Block
    • Date Filed:
      May-19
    • Fees:
      In Advance
    • Bank:
      Wells Fargo
    • Bars:
      1st Bar
    • Date Accepted:
      May-19
    • Transcript:
      Blank
    • Cycle:
      Daily
    • I Got My Refund!

    @Monee: I am not sure what 810 is but the rest are good codes.

    Reply
  37. Paisley

    @S. CARTER: Do you file head of household?

    Reply
  38. Tia
    • Tax Preparer:
      TaxAct
    • Date Filed:
      Feb-2
    • Fees:
      Free
    • Bank:
      Chime
    • Bars:
      No Bars-PATH Act Message
    • Date Accepted:
      Feb-2
    • Transcript:
      Online
    • Cycle Code:
      20260605
    • Cycle:
      Weekly
    • As of:
      Mar-2
    • I Got My Refund!

    @sherry: Sorry I answered your question wrong. I accidentially clicked on the wrong name with one of those answers. But my transcripts did the same. Then 30 minutes later I had 846. Try again. Transcripts should be updating thru the day.

    Reply
  39. MaryB
    • Tax Preparer:
      H&R Block
    • Date Filed:
      May-19
    • Fees:
      In Advance
    • Bank:
      Wells Fargo
    • Bars:
      1st Bar
    • Date Accepted:
      May-19
    • Transcript:
      Blank
    • Cycle:
      Daily
    • I Got My Refund!

    @S. CARTER: When you do WMR, enter the total amount of federal refund (not including state), before any prep fees or other amounts are deducted.

    Reply
  40. FinallyDoneWith2024

    F/A 1/29 pather. DDD for 2/26. Assuming I am weekly 0605, bc of it updating last night into this morning. I hope this soothes some souls, and your updates are coming soon! Best of luck my fellow tax payers!

    Reply
    2
  41. S. CARTER

    Filed: 02:08
    Accepted same night.

    Blank Account trans. with as of 03/03
    No return trans.

    WMR says amount doesn’t match records.

    No notices from IRS, usually cycle code 05.

    Can anyone help?

    Reply
  42. Azluckyfish

    @Alizay4455: I use cash app for past 3 years I usually get it before noon hoping this year’s the same 2/26 ddd

    Reply
    2
  43. New here25

    Does anyone know What bank does her block use?

    Reply
  44. New here25

    What bank does her block use?

    Reply
  45. Justgivememymoneyyy

    @Alizay4455: I’m here ddd 2/24 on still no money

    Reply
    1
  46. Iwantitnow

    @DAL: Did you do an early pay through tax service? Just wonder because my bank does post 2 days early but I didn’t do any early refund service when filing. Can u see your deposit pending or did u call your bank to find out about deposit? Thanks!

    Reply
  47. Justgivememymoneyyy

    TT and cash app with ddd of 02/24 5 day early declined no fees and still no funds in my account.. called TT cross river bank and the IRS no one knows where my money is

    Reply
    1
  48. LadyVA
    • Tax Preparer:
      Other
    • Date Filed:
      Feb-14
    • Fees:
      In Advance
    • Bank:
      Credit Union
    • Bars:
      1st Bar
    • Date Accepted:
      Feb-14
    • Transcript:
      Online
    • Cycle Code:
      20250903
    • Cycle:
      Daily
    • As of:
      Mar-17
    • Processing Date:
      Mar-17
    • I Got My Refund!

    @Shellysgirl1968: oh ok hopefully we will see something by next week.

    Reply
  49. Kara

    I got my 846 code early Wednesday for DDD of 02/24. I had a refund advance and also fees taken from my refund. This was sent over to SBTPG and SBTPG has been showing funded since early yesterday. It seems they are holding refunds… hoping they will release today but if not they are literally holding the refund until the DDD.

    Reply
    1
  50. Monee
    • Bank:
      Varo
    • Transcript:
      Online
    • Cycle:
      Weekly
    • I Got My Refund!

    This morning I can see transcripts but it’s not good.😢 150-3/10 806-4/15 766-4/15 810-2/11 768-4/15. I did my id verify on 2/12. I know my return is right.

    Reply
  51. NYnic

    Congrats to everyone on the 846s!

    Reply
    6
  52. DAL
    • Tax Preparer:
      FreeTaxUSA
    • Date Filed:
      Jan-17
    • Fees:
      Free
    • Bars:
      No Bars-PATH Act Message
    • Date Accepted:
      Jan-17
    • Transcript:
      Online
    • Cycle:
      Weekly
    • As of:
      Feb-26
    • I Got My Refund!

    Happy Friday Gang….. Just checked Transcripts and i got my 846 showing ddd 2/26 my credit union will release around noon! Good Luck Fellow Grapeviners

    Reply
    4
  53. sherry

    @Tia: i was accepted on the 24th of jan. , i’m just freaking out this has never happened before…

    Reply
    0
  54. NYnic

    I updated overnight. I could view my transcripts. DDD 2/26

    Reply
    2
  55. Bri305

    Any other early January filers, accepted early & WMR still showing the Path message?

    Reply
    3
  56. Alizay4455
    • Date Filed:
      Feb-5
    • Fees:
      From Refund
    • Bank:
      Cashapp
    • Bars:
      2nd Bar
    • Date Accepted:
      Feb-6
    • Date Approved:
      Feb-20
    • WMR Date:
      Feb-25
    • Transcript:
      Online
    • Cycle Code:
      20250705
    • Cycle:
      Weekly
    • As of:
      Mar-10
    • Processing Date:
      Mar-3
    • Tax Refund Offset
    • I Got My Refund!

    Are their any Cashapp recipients as I have seen none on this site really and have been here for years. Several are reporting on Facebook. Maybe people have just gotten their money and gone. I am still here even though i’m approved.

    Reply
    1
  57. Tia
    • Tax Preparer:
      TaxAct
    • Date Filed:
      Feb-2
    • Fees:
      Free
    • Bank:
      Chime
    • Bars:
      No Bars-PATH Act Message
    • Date Accepted:
      Feb-2
    • Transcript:
      Online
    • Cycle Code:
      20260605
    • Cycle:
      Weekly
    • As of:
      Mar-2
    • I Got My Refund!

    @sherry: It took about a week with me being weekly.

    Reply
  58. Tia
    • Tax Preparer:
      TaxAct
    • Date Filed:
      Feb-2
    • Fees:
      Free
    • Bank:
      Chime
    • Bars:
      No Bars-PATH Act Message
    • Date Accepted:
      Feb-2
    • Transcript:
      Online
    • Cycle Code:
      20260605
    • Cycle:
      Weekly
    • As of:
      Mar-2
    • I Got My Refund!

    @sherry: I just updated at 3am.

    Reply
    1
  59. sherry

    @Tia: do you know how long before you updated?

    Reply
  60. Isittoosoontoworry

    My year here is over too…. Thanks everyone for the help every year, this site it how I get through

    Reply
    3
  61. Iwantitnow

    05 I think I’m a weekly and have been for some time. Just checked and I got my 846 this morning DDD 2/26 !!! Filed 1/27. Last year was a hot damn mess with the 570 bs. I didn’t get my refund till May/June!

    Reply
    2
  62. Tia
    • Tax Preparer:
      TaxAct
    • Date Filed:
      Feb-2
    • Fees:
      Free
    • Bank:
      Chime
    • Bars:
      No Bars-PATH Act Message
    • Date Accepted:
      Feb-2
    • Transcript:
      Online
    • Cycle Code:
      20260605
    • Cycle:
      Weekly
    • As of:
      Mar-2
    • I Got My Refund!

    @sherry: I had that before mine updated.

    Reply
    1
  63. Falysha Lynn

    @Jennyb: 🙌 Amen

    Reply
    1
  64. Falysha Lynn

    @TaxStruggle: Amen 🙏🏾

    Reply
    1
  65. Tia
    • Tax Preparer:
      TaxAct
    • Date Filed:
      Feb-2
    • Fees:
      Free
    • Bank:
      Chime
    • Bars:
      No Bars-PATH Act Message
    • Date Accepted:
      Feb-2
    • Transcript:
      Online
    • Cycle Code:
      20260605
    • Cycle:
      Weekly
    • As of:
      Mar-2
    • I Got My Refund!

    Don’t worry. Those that filed around the 13th and are weekly. You may not update til next Thursday.

    Reply
    2
  66. Path25

    Sbtpg says cannot find my account. Anyone else get a similar issue/error message? Also I have all my codes and 846. 2nd bar on wmr .

    Reply
    2
  67. Shellysgirl1968

    @LadyVA: I filed 2/13, accepted 2/13 and transcript is there, says as of March 10, but no other info is populated. All zeros and no codes

    Reply
    3
  68. LadyVA
    • Tax Preparer:
      Other
    • Date Filed:
      Feb-14
    • Fees:
      In Advance
    • Bank:
      Credit Union
    • Bars:
      1st Bar
    • Date Accepted:
      Feb-14
    • Transcript:
      Online
    • Cycle Code:
      20250903
    • Cycle:
      Daily
    • As of:
      Mar-17
    • Processing Date:
      Mar-17
    • I Got My Refund!

    Good morning. Anyone file on 2/14 and accepted 2/14 see any movement? My transcript is there just not populated yet.

    Reply
    1
  69. Tonicmo88

    @Jay Jay: Thank you, I didn’t pay for the five days early.

    Reply
  70. Jay Jay
    • Tax Preparer:
      Turbo Tax
    • Date Filed:
      Jan-10
    • Fees:
      Free
    • Bank:
      Chime
    • Bars:
      1st Bar
    • Date Accepted:
      Jan-12
    • Transcript:
      Online
    • Cycle Code:
      20260505
    • Cycle:
      Weekly
    • As of:
      Mar-3
    • Processing Date:
      Feb-23
    • I Got My Refund!

    @Tonicmo88: if you paid for 5 days early you should get it today. Otherwise you might get it Monday at the least since you have a card that will post early. It also depends on when sbtpg or cross River transmit it

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