IRS 2026 Tax Refunds: Timing, PATH Act Delays, and Direct Deposit Requirements

The IRS began the 2026 tax filing season on January 26, with over 31 million Americans awaiting refunds averaging nearly $4,000. Taxpayers who filed electronically with direct deposit can expect refunds within 21 days, potentially as early as mid-February. However, refunds claiming the Earned Income Tax Credit or Additional Child Tax Credit face delays due to the PATH Act, which mandates a federal hold until at least March 2. Paper checks are no longer issued, making direct deposit mandatory, and filing errors can cause delays up to 60 days.