WMR Says “Sent” But Bank is Empty? The 5-Day “Trace” Rule (2026 Update)
It is the most panic-inducing moment of tax season. You checked the “Where’s My Refund” (WMR) tool on February 20, 2026. It showed the golden status: “Refund Sent.” Today is February 23. You check your banking app. Balance: $0.00. Here is the Bottom Line Up Front: Do not panic yet. If your refund is over … Read more