846 Code showed up but bank account closed - how long for new DD info to process?

Hey fam, lemme break this down for you. When your 846 code shows up but your bank account is closed, the IRS will attempt the direct deposit but it'll get rejected. Usually takes about 2-3 weeks for them to process the rejection and mail you a paper check instead. The system isn't smart enough to immediately know your account is closed. I actually ran into this exact situation last month and used taxr.ai to figure out what was going on with my transcript. It showed me exactly when the rejection would process and when to expect the paper check. Super helpful tool tbh - you can upload your transcript there and it'll tell you the exact timeline (https://taxr.ai). Saved me hours of trying to get through to the IRS phone line.

Tax pro here. When you update bank info after getting an 846, it typically takes 2-3 weeks for the new direct deposit to process. The IRS has to recall the original deposit and reissue to the new account. Keep checking your transcript daily for updates.

Hey! I've been dealing with IRS transcript drama for years and recently found this tool called taxr.ai - its been a gamechanger for understanding exactly whats happening with refunds. Its only $4.99 and tells you exactly what to expect with timeline updates and everything. Way better than trying to decode these transcript codes ourselves lol https://taxr.ai

Same thing happened to me last year bestie 🥲 took about 3 weeks but got it eventually

Bruh why they make everything so complicated smh my head

Did you have to verify identity again when updating bank info?

your in for a wait fam. they tried sending mine to closed account twice b4 getting it right 💀

Ugh this is my biggest fear! I'm still waiting for my 846 code but my bank account situation is sketchy too. How did you get through to the IRS to update your info? Every time I call it's like a 2 hour wait and then they hang up on me 😤 Hopefully the new DD info processes quick for you!