Use our updated list of No Hold Banks (NHB)
TFI and NHB acronyms we use to help people understand why some people see deposits earlier than the date indicated on Where’s My Refund (WMR) tool.
TFI: Traditional Financial Institution
NHB: No Hold Bank
If you are using a TFI for direct deposit and given a direct deposit day on WMR, you will likely have your deposit available on that day.
If you are using a NHB, soon after your transcript updates with the 846 code, you can see your deposited posted the same day in many cases, sometimes available in the afternoon.
Examples of a NHB would be people using Netspend, Bluebird, AMEX serve cards for their DD. Another variation of a NHB are some credit unions. In many cases, credit unions will show you a pending direct deposit fairly quickly after the 846 on your transcript, but still make the direct deposit available on the date shown on the WMR.
Examples of NHB’s are Netspend, Walmart Money Card, some credit unions.