If you woke up this Friday, February 13, 2026, to find an “IRS TREAS 310” transaction sitting in a pending status. You are part of a massive 164-million-person wave currently hitting the U.S. banking system.
While a pending deposit can be stressful. Today’s delay is actually a structural result of the new 2026 security batching protocols and the upcoming federal holiday.
The “IRS TREAS 310” code is the official identifier for federal tax refunds. And its presence means your funds have been cleared by the Treasury.
However, several factors are keeping that money from “clearing” into your usable balance this morning.
The 48-Hour Security Batching
Under the Executive Order 14247 mandates for 2026, the IRS has moved entirely away from paper checks. Shifting all volume into the ACH (Automated Clearing House) network.
To prevent the $2,000 federal deposit scams seen earlier this week. Banks are now required to perform a “Secondary Verification” on high-value refunds.
If your status is “Pending,” it simply means your bank is verifying the name on the account matches the IRS Master File exactly.
Most major institutions like Chase, Wells Fargo, and Bank of America are expected to release these holds by 12:00 PM EST today. Though some smaller credit unions may hold funds until Saturday morning.
The President’s Day Holiday Freeze
Timing is the second major factor. Because Monday, February 16, 2026, is Washington’s Birthday (Presidents’ Day), the Federal Reserve will be closed.
Banking institutions often slow down the “Settlement Velocity” on the Friday before a long weekend to ensure they have enough liquidity to cover the March 2 EITC/ACTC refund wave.
What to check right now
If your refund doesn’t clear by noon, check your IRS Online Account for a CP53E notice. This is the new 2026 digital alert that triggers. If your direct deposit was rejected due to a W-2 Box 1 discrepancy.
For most, today’s “IRS TREAS 310” status is just a final 4-hour wait before the funds become available for the weekend.
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