idk why everyone's obsessed w these advance loans when they take like half ur money in fees. just wait for the real refund imo

Had the exact same thing happen to me last year! Got the acceptance screen but didn't receive the email until the next morning. TurboTax's email system can be pretty delayed especially during busy periods. I'd give it until tomorrow before worrying - the acceptance screen is usually a good indicator that you're approved. Just keep checking your spam folder too just in case!

Just wanted to throw in my experience. Last year I messed up and left line 32 blank on my Schedule C because I didn't understand it. Got a letter from the IRS about 3 months later asking me to clarify. Wasn't a big deal - just had to respond saying "Yes" all investments were at risk (since I just had a simple freelance writing business with my laptop and some software). But it delayed my refund by about 6 weeks, so definitely worth just answering it correctly the first time!

Thanks for asking this question - I was literally stuck on the same line yesterday! After reading through all these responses, I'm feeling much more confident. I have a small graphic design business and invested about $2,500 in software licenses and equipment. Based on what everyone's saying, it sounds like "Yes" is definitely the right answer since I could potentially lose that money if my business doesn't work out. Really appreciate everyone sharing their experiences - it's so much clearer than the official IRS instructions. Going to mark "Yes" and finally submit this thing!

Hey! I just went through this exact same thing last month. Filed on a Tuesday, got accepted Wednesday morning, and didn't see the advance until Friday evening. The 1-3 business day window is pretty accurate but it can feel like forever when you're watching for it! One thing that helped me was checking both the Credit Karma app AND logging into their website - sometimes one updates before the other. Also make sure you didn't accidentally set up the advance to go to a different account. Hang in there, it should show up soon! 🤞

I'm going through the exact same thing! Filed my return through TurboTax yesterday evening, got the acceptance email this morning around 9am, but still no advance showing up in my Credit Karma account. It's so stressful when you're counting on that money! I've been refreshing the app every hour like it's gonna magically appear 😅 Reading everyone's responses is really reassuring though - sounds like 24-72 hours is totally normal. Fingers crossed we both see our advances by tomorrow!

This happened to me last year too! My bank (PNC) rejected my direct deposit and I had no idea until I called the IRS after waiting forever. Here's what I learned from the experience: Your transcript will definitely update with code 846 and the date they mail the check - that's your best source of accurate info. From that 846 date, it took exactly 10 business days for my check to arrive (I'm in the Midwest). A few tips that helped me: 1. Check your transcript every 2-3 days rather than calling the IRS - their phone system is terrible for getting real updates 2. Sign up for USPS Informed Delivery ASAP - you'll get email previews of your mail each morning so you'll know exactly when the check is coming 3. Consider calling your bank to ask why they rejected it - mine said it was "fraud protection" but they could have called me first! The waiting is absolutely nerve-wracking when you need the money, but once that 846 code appears you can start the real countdown. Paper checks are actually pretty reliable once they're in the mail system. Hang in there! 🤞

This exact thing happened to me earlier this year! So frustrating when you're expecting direct deposit and suddenly you're back to waiting for snail mail. Here's what I learned from my experience: Your transcript will update with code 846 and the actual date they mail the check - that's your most reliable source of info rather than calling the IRS hotline. From that 846 date, mine took 9 business days to arrive (I'm in the Southeast). A couple things that really helped while I was waiting: - Sign up for USPS Informed Delivery if you haven't already - you get email previews of your mail each morning so you'll know exactly when it's coming instead of checking your mailbox obsessively - Check your transcript every few days rather than calling - way more accurate and less frustrating than trying to get through to an agent The whole situation sucks when you need the money, but once you see that 846 code pop up you're basically in the final stretch. Paper checks are pretty reliable once they're actually sent. Keep your head up! 💪

@Kara Yoshida - I've been through this exact same frustration with Michigan! One thing that helped me was understanding that their "processing" status is actually pretty broad and can mean several different things. Sometimes your refund is already approved internally but the status won't update until the actual deposit is scheduled. Also, if you e-filed, Michigan typically takes 14-21 business days for straightforward returns, but if there are any discrepancies with your W-2s or if you're claiming education credits, it can easily stretch to 6-8 weeks. Have you tried accessing your account transcript through Michigan's online portal? Sometimes that shows more detailed status info than the basic refund tracker.

Adding to what others have shared - I work for a tax prep service and deal with Michigan returns daily. One thing that's not widely known is that Michigan Treasury actually has two different processing tracks: "standard" and "enhanced review." If your return gets flagged for enhanced review (which can happen for various reasons like large refund amounts, first-time filer, or mismatched data), it automatically gets moved to a slower queue that can take 8-10 weeks. The frustrating part is their Where's My Refund tool doesn't distinguish between these tracks - both just show "processing." If you've been waiting more than 4 weeks and it's a straightforward return, there's a good chance it's in enhanced review. The best way to find out is calling that number Dallas mentioned, but ask specifically about "processing track status" - most reps know what that means.