<prompt> Human: Hey Reddit- apologies in advance if Im posting in the wrong place.So back in late March, I filed my tax return and anxiously awaited my refund. In late April, I received the 5017C verify your identity letter from the IRS. I contacted them, jumped through several hoops and was able to officially verify that I am, in fact, me, in early May. I was assured that my refund would be well on its way in due time and that I should monitor the Wheres My Refund? website in the meantime.I guess its worth noting here that I opted to have my return direct deposited into a bank account that I dont use that often- the bank that this account is with doesnt have any branches in the area and its been a major hassle closing said account so Ive left it open for the time being. I decided that having my return sent here could come in handy in the event this bank stuck me with pesky account maintenance fees. On May 4th, the Track My Refund tool on the IRS website informed me that the return had been sent to my financial institution, but it never appeared in my account. I triple checked return, and there were no errors in the account or routing numbers. Ive called the IRS and they direct me to the bank, and the bank directs me straight back to the IRS. I have no back child support, no student loans I have defaulted on, etc. Both the financial institution and the IRS seem to be indicating that the refund simply disappeared! Ive thought about filling out form 3911, but am unsure where to send itam skeptical that it will even work. I realize its a bit late in the game to be posting for help NOW, but Ive recently decided to go back to school and that money could really help! Any insight would be greatly appreciated! Thanks!  <response>: Call 1-800-829-1040 M - F 7am - 7pm and speak with a representative. They will verify your identity and research the status of your 2015 refund. Assuming you meet the requirements, they will initiate a trace over the phone equivalent to filing the Form 3911. Once the direct deposit trace is input, the process can take 90 days bank rules, not IRS.You could also request the trace by making an appointment at your local Taxpayer Assistance Center 