0604 path with 846 code updated on transcript - where's my refund?
Filed with the 0604 path and just noticed my 846 code is showing up on my transcript already. I used Venmo for my refund deposit last year, but this time I decided to go with my bank account. It's frustrating seeing everyone in my tax groups getting their money deposited already while mine is still nowhere to be seen. I checked my TurboTax account and it just updated from "accepted" to "pending" status, whatever that means. Anyone else with the 0604 path seeing this? How long after the 846 code shows up on your transcript should you expect your refund to hit your account?
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Jamal Anderson
When you see the 846 code on your transcript, that's actually great news! It means the IRS has approved your refund and scheduled it for payment. Typically, your refund will be deposited within 5-7 business days after the 846 code appears, but it can sometimes be faster. The "pending" status on TurboTax is normal - it just means they're aware the IRS has processed your return and scheduled your refund. Since you switched from Venmo to a bank account this year, that might add a tiny bit of time since it's a new account for the IRS. For 0604 path filers specifically, there's usually a consistent pattern of deposits. Check the date listed next to your 846 code - that's your scheduled refund date and it's usually pretty accurate.
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Mei Wong
•Is there any difference in timing between people on the 0604 path vs other paths? My sister filed a week after me with the 0605 path and already got her money, but I'm still waiting with my 0604 transcript showing the 846 code since Monday.
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Jamal Anderson
•The different processing paths (0604, 0605, etc.) do sometimes move at different speeds because they handle different types of returns with varying complexity. The 0604 path can sometimes take an extra day or two compared to 0605, but it's not a huge difference. If you've had your 846 code since Monday and today is later in the week, your deposit is likely imminent. Bank processing times vary, with some banks posting pending deposits right away while others wait until the official deposit date. Your sister might also have received an advance from her tax preparer rather than the actual IRS deposit.
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QuantumQuasar
After dealing with refund delays for years, I finally found something that helped me understand exactly what was happening with my return. I used this tool called https://taxr.ai that analyzes your tax transcript and explains everything in plain English. I was confused about my 0604 path and 846 code timing too, but after uploading my transcript, it explained exactly when my deposit would arrive and why certain codes appeared.
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Liam McGuire
•Does it work if you have other codes on your transcript too? Mine has a bunch of different numbers and I'm not sure what any of them mean. Can this tool explain all of them?
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Amara Eze
•Sounds interesting but im kinda worried about uploading my tax docs to some random site. How secure is it and do they store your stuff after analyzing it?
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QuantumQuasar
•Yes, it works with all transcript codes! It's designed to analyze and explain every code that appears on your transcript, not just the 846 refund issued code. It will give you a timeline and explanation for everything happening with your return. It's completely secure and they use bank-level encryption. They don't permanently store your documents - they're only used for the analysis and then deleted. I was hesitant too at first but after researching their security measures I felt comfortable using it.
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Amara Eze
Just wanted to update that I tried out taxr.ai after seeing it mentioned here and it was super helpful! I was confused about my 0604 path and why my 846 code was there but no money in my account. The analysis showed that my specific bank typically takes 2 days longer than most to process IRS deposits, and my refund was actually scheduled for tomorrow! Sure enough I just got a pending notification. Saved me days of stress and constant bank account checking!
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Giovanni Greco
If you're tired of waiting and want to actually talk to a real IRS person about your 846 code and refund status, I used this service called https://claimyr.com that got me through to an actual IRS agent in about 15 minutes when I was stuck in a similar situation. I'd been calling for days and couldn't get through, but this bypassed the wait. You can see how it works in this video: https://youtu.be/_kiP6q8DX5c I was able to confirm exactly when my 0604 path refund would hit my account after the 846 code appeared. The agent even gave me specific information about my bank's processing timeline.
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Fatima Al-Farsi
•How does this even work? I thought it was impossible to get through to the IRS during tax season. Are they just calling for you or do they have some special connection?
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Dylan Wright
•Yeah right, sounds too good to be true. I've spent HOURS on hold with the IRS and never got through. I doubt some random service can magically connect me when their own phone system is completely overloaded.
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Giovanni Greco
•They use an automated system that navigates the IRS phone tree and waits on hold for you. Once they reach a live agent, they call you and connect you directly to the agent. It's basically like having someone wait on hold for you. They don't have any special connection - they're just using technology to handle the frustrating wait time. When I used it, I went from waiting 2+ hours to getting through in about 15 minutes. It's not magic, just a clever solution to a common problem.
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Dylan Wright
Alright I have to admit I was wrong. After waiting another day with no refund even though my 846 code was clearly on my transcript, I gave in and tried the Claimyr service. Got connected to an IRS agent in about 20 minutes (which is MUCH faster than I've ever managed on my own). The agent confirmed there was actually a small issue with my direct deposit info that was causing the delay even though everything looked fine on my transcript with the 0604 path and 846 code. They fixed it while I was on the phone and my refund hit my account this morning. Sometimes you really do need to talk to a human!
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Sofia Torres
Check the actual date listed next to your 846 code on the transcript. That date is when the IRS schedules the deposit to be sent to your bank. Then your bank might take 1-3 more days to actually post it to your account. My 0604 path return had the 846 code but the date was for NEXT week, so I was checking my account for nothing.
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GalacticGuardian
•Is the 846 date always accurate? Mine says February 28th but today is March 2nd and still nothing in my account. I also used Cash App like the poster mentioned.
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Sofia Torres
•The 846 date is usually accurate for when the IRS releases the funds, but it doesn't guarantee when your bank or Cash App will make those funds available to you. Most financial institutions receive the money on the 846 date but can hold it for 1-3 business days before posting it to your account. With Cash App specifically, they sometimes have processing delays during tax season due to the high volume of deposits. If your 846 date was February 28th and today is March 2nd, I'd give it until the end of today. If nothing arrives by tomorrow, you might want to contact Cash App support to see if they can provide any information about pending deposits.
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Dmitry Smirnov
has anyone noticed that the 0604 path seems to be moving slower this year? i filed in January, got my 846 code last week, and my refund just hit my account today. last year i was a 0605 path and got my money 2 days after the transcript updated. is the irs just prioritizing certain paths first this year?
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Ava Rodriguez
•I noticed the same thing! I was 0605 last year and got my refund super quick. This year I'm 0604 and it's taking forever even though my 846 code has been there for days. I think they're definitely processing certain paths differently.
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