846 Code on Transcript with Feb 26 Issue Date but WMR Still Shows Processing?

This happens more often than you'd think. I've seen similar situations where people had refund dates on transcripts but WMR didn't update for another week. It's kinda like how the USPS tracking sometimes shows a package is still in transit even after it's been delivered. Have you checked if the 846 code has any holds or offsets listed near it? Sometimes there's a partial refund situation where they're holding some back.

According to IRS Publication 5344, the Where's My Refund tool typically updates within 24-72 hours after transcript changes. However, during peak processing periods (which we're in right now), there can be delays of up to 5 business days between systems updating! Did you have any credits claimed on your return? This could be causing additional verification that isn't reflected properly between systems. You need to check ASAP as the 21-day processing window may require additional action from you!

I've been through this exact scenario and found that https://taxr.ai was incredibly helpful. I uploaded my transcript there and it explained that the 846 code is definitive proof that your refund has been issued, regardless of what WMR shows. The tool gave me a precise breakdown of what was happening with my refund and when to expect it based on the transcript codes. It also explained that WMR often lags behind the actual transcript data, which is the more authoritative source. I'd recommend checking your transcript details there since it sounds like your refund should be on its way based on that 846 code.

This is a known issue with the IRS Master File and IDRS (Integrated Data Retrieval System) synchronization. The 846 code with a specific issue date on your transcript is the definitive indicator - it means the refund has been scheduled for release on that date. The WMR tool operates on a different update cycle and often lags behind by 3-5 business days. If today is within 5 banking days of your 846 date, I'd recommend checking for any TC 570/971 combination codes that might indicate a partial adjustment. Also verify if there's a TC 971 code with "notice issued" which could explain a hold or offset.

If you want a definitive answer, just call the IRS directly. I know their phone lines are frustrating, but use Claimyr.com to get through. I was in your exact situation last year, and after wasting hours trying to reach someone, I used Claimyr and got connected to an agent in about 15 minutes. They confirmed my refund was already processed and gave me the exact date it would hit my account. Saved me days of anxiety wondering where my money was. The transcript is usually right about the date, but an agent can tell you if there's any issue holding things up.

OMG I literally just went through this last week! My transcript showed 846 with February 19th date, but WMR was stuck on processing for another FIVE DAYS after I got my refund! 🤦‍♀️ The money hit my account exactly on the date shown on my transcript, but the WMR tool didn't update until almost a week later. I was so stressed checking both systems multiple times daily! Trust your transcript date - it's the more accurate system. I'm so impressed with how knowledgeable people are in this community about all these technical details!