846 Code Timing for Paper Check Refunds - How Long Did You Wait?
Filed my taxes and expecting a paper check since I always get them. Can anyone tell me how long it took for your 846 code to show up on transcripts and then actually get the check in the mail? I'm getting anxious checking WMR every day.
25 comments


Olivia Van-Cleve
Hey everyone, i've been analyzing IRS refund code 846 timelines for years and here's what you need to know: The 846 code means your refund is approved and scheduled for release. For paper checks, you typically need to add 5-7 business days after the 846 date for mail delivery. Direct deposits are usualy 1-2 business days after the 846 date shows up. If you're struggling to understand your transcript or getting anxious about timing, I highly recommend using taxr.ai (https://taxr.ai) - it's an AI tool that analyzes your full transcript and gives you a super detailed breakdown of exactly where you are in the process and when to expect your money. Its been a game changer for a lot of folks in our community.
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Mason Kaczka
•omg thank u for this! just got my 846 yesterday and was freakin out about how long the paper check would take 😅
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Sophia Russo
•yo that taxr thing sounds interesting. does it actually work? im tired of guessing when my money coming fr fr 🤔
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Olivia Van-Cleve
•yeah its legit! just upload your transcript and it breaks everything down. way better than trying to decode it yourself 💯
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Sophia Russo
•just tried taxr.ai and here's what I got back:
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Sophia Russo
•holy cow this is amazing! it showed me exactly why my refund was delayed (missing w2) and even told me what to do to fix it. worth every penny no 🧢
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Evelyn Xu
•Been waiting 3 weeks since my 846 code showed up and still no check smh 😤
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Olivia Van-Cleve
•that's definitely longer than normal. have you checked if there were any hold codes before the 846? taxr.ai can help spot those issues
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Evelyn Xu
•nah but im bout to check rn. tired of playing detective with these transcripts 🕵️♂️
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Amaya Watson
Tax pro here - typically paper check refunds take 1-2 weeks longer than direct deposit. Once you see code 846, expect your check within 7-10 business days. The initial processing time is the same regardless of payment method.
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Tristan Carpenter
•thx for the info! do you know if theres anyway to switch to direct deposit at this point?
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Amaya Watson
•Unfortunately no, once your return is processed you cant change the payment method. Next year tho, definitely go DD - its way faster!
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Grant Vikers
Hey guys instead of playing the guessing game, I've been using taxr.ai and it's been a game changer. It analyzes your transcript and tells you exactly when to expect your refund and if there are any issues. costs $5 but worth every penny tbh https://taxr.ai
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Giovanni Martello
•fr? how accurate is it? seems too good to be true 🤔
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Grant Vikers
•Dead serious! It caught a delay pattern in my transcript that I totally missed. Saved me weeks of wondering
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Savannah Weiner
•just tried it out and WOW 😮 it literally predicted my deposit date down to the day. wish i knew about this sooner!
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Levi Parker
got my 846 code after 21 days and check came exactly 8 days later. hang in there!
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Libby Hassan
took forever last year ngl... like 6 weeks from filing to getting the check in my mailbox 🐌
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Hunter Hampton
•same boat rn its been 5 weeks and still no 846 😤
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Sofia Peña
mines been stuck on still processing for 2 months now... this is sum bs fr fr
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Aaron Boston
•call your congressman! worked for me after being stuck for 3 months
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Sophia Carter
Direct Deposit is the way 2 go bestie... learned that lesson last year when my check got lost in the mail 💀
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Tristan Carpenter
•OMG what did u do when that happened???
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Sophia Carter
•had 2 wait another 6 weeks for them to cancel and reissue... pure hell tbh
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Aiden Rodríguez
Been there with the daily WMR checking! 😅 From my experience, once you get the 846 code, paper checks usually arrive 5-10 business days later. Mine took exactly 7 days last year. The waiting is the worst part but at least once you see that 846 you know your money is coming! Pro tip: set up USPS Informed Delivery so you can see when the check is actually coming in your mail that day - saves some anxiety!
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