Print or screenshot EVERYTHING when dealing with the IRS. learned that one the hard way lmaooo

This is actually pretty common with the IRS online system - I work in tax prep and see this all the time. Your payment plan is almost certainly still valid on their end. The online portal has frequent glitches where approved agreements temporarily disappear from view. Definitely call the number Ryan mentioned (1-800-829-1040) to confirm, but don't stress too much. Keep making your scheduled payments if you remember the terms, and you should get that confirmation letter soon. The system just sucks at displaying real-time info sometimes.

Something similar happened to me and my accountant said it's also important to know WHEN you received the check for tax purposes! If you got it between January-April 2025 but it's for 2024 contributions, it still counts as 2025 income, not 2024. Also, the amount will be reported on your W-2 for 2025, and you'll get a 1099-R showing the distribution. Make sure both numbers match up when you file your taxes.

This is definitely confusing when it first happens! Just to add some clarity on the tax timing since there seems to be some confusion in the thread - Diego is correct. The refund check you receive counts as taxable income in the year you actually receive it, not the year the original contribution was made. So if you got your check in 2025, it's 2025 taxable income even if it was from 2024 contributions. The IRS treats it as a distribution in the year received. Your employer should issue you a 1099-R for the distribution year. One thing I'd suggest is asking your HR department if they've considered implementing automatic enrollment or increasing the company match to help with participation rates. Sometimes these changes can help smaller companies pass the nondiscrimination tests more easily. You might also want to ask them what the actual testing results were - they should be able to tell you the participation percentages that caused the failure. Good luck with everything, and don't stress too much - this really is more common than you'd think with smaller employers!

FYI - Credit Karma tax was actually acquired by Cash App in 2020, so technically you're using Cash App Taxes now, not Credit Karma. This might explain why the experience is diff from what you expected. The IRS sends the $ regardless of which tax prep you used, but sometimes the routing can take an extra day depending on your bank. FWIW, my CK/Cash App tax refund hit exactly on my DDD last year, not early like some other services.

I'm also waiting for my Credit Karma/Cash App refund with a 3/22 DDD! Based on what I've experienced in previous years, most banks process ACH deposits in waves throughout the day. My bank (Chase) typically posts refunds between 12-3 PM on the deposit date, but I've seen some people get theirs as early as 6 AM or as late as 8 PM on their DDD. The key thing is that your transcript shows code 846 - that means the Treasury has already sent the payment and it's just a matter of your bank processing it. I'd give it until end of business today before worrying. If nothing by Monday morning, then definitely call your bank to see if there are any issues with the ACH transfer.

I've been a daytrader for 8 years and have dealt with this exact problem every tax season. Honestly, the simplest solution I've found is to use a different tax software. TurboTax has these file size limitations, but some competitors actually handle large trading volumes much better. Has anyone tried TaxAct or FreeTaxUSA for high-volume trading? I switched to TaxAct last year and was able to e-file everything without mailing anything physical.

I'm dealing with this exact same issue right now! My 1099-B from Schwab is about 800 pages and TurboTax keeps giving me that error message about the file being too large. It's so frustrating because I thought e-filing was supposed to make everything simpler. I'm really interested in the CSV/flash drive option that Sophia mentioned - that sounds way more reasonable than printing and mailing a phone book worth of trading data. Does anyone know if Schwab provides data in the IRS Publication 1220 format, or would I need to convert it myself? Also curious about the alternative tax software suggestions. I've been loyal to TurboTax for years but if FreeTaxUSA can handle large trading volumes without all this hassle, it might be worth switching. The cost savings alone would probably pay for the switch multiple times over.

Wait I'm still confused... if the tax liability is on line 24 of Form 1040, why is TurboTax asking about it in relation to Form 2210? I've been filing taxes for years and never had to deal with Form 2210 before.

I had this exact same issue last year! The confusion comes from TurboTax's wording - when they ask about "previous year tax liability from Form 2210," they're not saying you actually filed Form 2210 last year. They're asking for your previous year's total tax amount (from line 24 of your 1040) because they need it to determine if you should file Form 2210 THIS year. Form 2210 is only required if you have an underpayment penalty, but TurboTax uses your previous year's tax liability to check if you qualify for safe harbor protection (which could save you from penalties even if you underpaid). So even though you never filed a 2210 before, that number from line 24 is still relevant for this year's calculations. Don't put zero if line 24 has a number on it - use that amount regardless of whether you still owe money from last year or not. The outstanding balance you owe is completely separate from your total tax liability.