Real ChatGPT answer · index seedGWHyWsP7JtUcompleteFinance and banking · taxes and tax softwarehowto

What steps do I take if the IRS direct deposit timeline shows my refund was sent, but my bank account has no record of the deposit?

ChatGPTgpt-61 query10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
What steps do I take if the IRS direct deposit timeline shows my refund was sent, but my bank account has no record of the deposit?
1 real search · 1 real-search pass
IRS refund direct deposit says sent but not received bank what to do 2026 official IRS 5 business days trace refundGoogle ↗
OBSERVEDReason

Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.

Query classes

Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.

ChatGPT real searches (1)
Short factOther / navigationalComparisonConsequenceReason100%DefinitionInstructionYes / no

Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT1 real searches · gpt-6
IRS refund direct deposit says sent but not received bank what to do 2026 official IRS 5 business days trace refund Google ↗

Queries

1 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
IRS refund direct deposit says sent but not received bank what to do 2026 official IRS 5 business days trace refund
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1