According to WMR, IRS "sent" my refund on June 18th (59 days after it was accepted, but that's another story). However, I still (as of the 20th) haven't seen it posted in my bank account.
Naturally, I'm curious about that. After the day IRS "sends" the money, when does it actually "post" to the account? When can I use it, in other words.
I assumed electronic transfer is immediate, and I wondered why instructions including another date was necessary. "Call your bank if by..." didn't make sense when I first saw it because I understood with e-transmission of money, the "sent" times and "received" times shouldn't be different by much. But now I realize there may be a serious difference between the two.
So, if the IRS sent my refund on the 18th, when will it post to my account?
I double checked everything. I used the correct routing and checking account numbers.