IRS refunds typically deposit around midnight, varies by bank

The IRS typically deposits tax refunds around midnight, but the time may vary based on your bank. Most people can access their funds the same day, but some may experience delays. Refunds for electronic returns usually arrive within 21 days, while paper returns may take longer. Errors or amendments can extend the wait time. To check your refund status, use the IRS online tool. Results are available within 48 hours for e-filed returns, but amended returns may take longer to process.