Banks have always had a certain amount of time to do electronic transfers. I do taxes and run into this all the time. The federal government actually does release the refunds when they say they will.
But people that need to have the fees to do their taxes taken out of their refund can either get a check or a direct deposit through a bank. We quit doing the direct deposit through the bank because of the lag time. Some banks transfer the money as soon as they get it, but some don't which makes people fairly upset<G>!
Unfortunately, not a new practice.:confused: