This timeline is a result of the PATH Act, a federal law that requires the IRS to hold refunds for returns claiming these specific credits until mid-February to help prevent identity theft and fraud.

Key Dates to Remember

• Feb. 15, 2026: The earliest date the IRS can begin releasing refunds for returns with EITC or ACTC.
• Feb. 21, 2026: By this date, the “Where’s My Refund?” tool should be updated with specific projected deposit dates for most early filers.
• March 2, 2026: The date by which the IRS expects most of these refunds to be available in bank accounts (provided you chose direct deposit and your return has no errors).

Why the wait?

Even though the IRS began accepting tax returns on January 26, 2026, they are legally prohibited from sending EITC/ACTC refunds before mid-February. Once the hold is lifted, it still takes time for the banking system to process those transfers.

Factors for a Smooth Refund:

• Use Direct Deposit: This is the fastest way to get your money.
• E-file your return: Paper returns are significantly slower and are actually being phased out by the IRS for most taxpayers.
• Check “Where’s My Refund?”: This is the most accurate way to track your status. The IRS updates it once a day, usually overnight.

Note: If you are checking your status before February 21, don’t panic if you see a generic message saying your return is “being processed.” This is normal for PATH Act filers until the mid-February release window opens.