I just went through this exact same situation a few months ago! The deposit will show up as "IRS TREAS 310" followed by something like "TAX REF" - it's pretty unmistakable when you see it. Since you filed 2 weeks ago via e-file with direct deposit, you're definitely in the window where it could hit any day now. One thing that helped ease my anxiety was setting up account alerts on my banking app for any deposits over $1000 (or whatever threshold works for you). That way you'll get notified immediately when it hits instead of constantly refreshing your account. The IRS typically deposits early in the morning, so I'd check first thing when you wake up rather than throughout the day. With your $1,780 refund including education credits, it should come through as one complete deposit. Hang in there - the waiting is definitely the hardest part!

Just to add another data point - I received my federal refund last month and it showed up exactly as others described: "IRS TREAS 310 TAX REF" in my transaction history. What surprised me was the timing though - it actually hit my account on a Wednesday around 3 AM, so definitely check early in the morning like others suggested! One thing I'd recommend is taking a screenshot of your bank routing and account numbers from your return before it gets processed, just so you have them handy if you need to verify with your bank later. I had a small panic when mine was a day later than expected, but my bank confirmed the routing info was correct and it just took an extra day to process. Since you're expecting $1,780, that's a nice chunk of change! The education credits are great - I claimed the American Opportunity Tax Credit last year and it made a huge difference in my refund amount. You should be seeing that deposit any day now given your timeline. Good luck!

I'm experiencing the exact same issue! Been trying since yesterday afternoon and keep getting error messages or the system just freezes during login. Really frustrating since I had my whole weekend planned around getting this done. What's particularly annoying is that this seems to happen every year during peak filing season. You'd think the IRS would have learned by now to scale up their server capacity during March and April when everyone is scrambling to file. I've tried all the usual troubleshooting - different browsers, clearing cache, different devices - nothing works. At this point I'm pretty convinced it's on their end, not ours. Thanks for posting this because at least now I know I'm not going crazy! Going to try the suggestion about accessing during off-peak hours, maybe very early tomorrow morning. If that doesn't work, I might have to bite the bullet and use a paid service this year, which is really annoying since FFFF has worked fine for me in previous years.

I'm having the exact same problem! Been trying to access Free File Fillable Forms since yesterday and getting nothing but error messages and loading screen freezes. Really glad I found this thread because I was starting to think it was just my setup. Like many of you, I specifically planned this weekend to get my taxes done, and this outage is really throwing a wrench in my plans. I've tried all the usual fixes - different browsers, clearing cache, even tried from my phone's hotspot thinking it might be my home internet. Nothing works. Based on what everyone's sharing here, it sounds like this is definitely a system-wide issue on the IRS end. The fact that some people are occasionally getting through but most aren't suggests their servers are probably overwhelmed or they're having intermittent technical problems. I think I'm going to try the suggestion about accessing during very early morning hours when traffic is lighter. If that doesn't work by Monday, I might have to consider one of the paid alternatives people mentioned, though I really hate having to pay for tax software when the free government option should be working. Thanks everyone for sharing your experiences - at least we know we're not alone in this!

Dealing with SBBT is like trying to open a jar with wet hands - unnecessarily difficult! I was so surprised by how complicated it got last year. I thought getting my refund would be straightforward, but it was like navigating a maze blindfolded. I finally reached them after multiple attempts and discovered my refund had been sitting in their system for days! They just hadn't updated their website. Definitely call them - their phone system is like having a fast pass at an amusement park compared to their website.

As someone who went through this exact situation last year, I can confirm that calling SBBT directly is definitely your best bet. The 1-800-901-6663 number that Muhammad provided is correct. A few additional tips from my experience: - Call between 8-9 AM ET for shortest wait times - Have your exact filing date and refund amount ready - Ask specifically about "processing status" not just "refund status" - they're different in their system - If they say it's "under review," ask for an estimated completion timeframe The website lag is real - mine showed "processing" for 6 days after my refund had already been approved and sent to my bank. The phone reps can see real-time status updates that don't appear on the web portal for days. Don't waste time refreshing that website every hour like I did! One thing to keep in mind: SBBT can only tell you about their part of the process. If there's an issue on the IRS side, you'll need to contact them separately.

Just went through this with my tax guy and apparently it's super common for Box 7 to be unchecked, especially with loans that have been sold between servicers. My tax preparer said as long as you know it's your primary residence, you just check that box on Schedule A when entering your mortgage interest deduction and keep moving. The only time to worry is if you're trying to deduct interest on a property that isn't your primary or secondary residence, or if you're deducting interest on more than two properties. Then you might run into limitations or need to provide additional documentation.

Most major tax software like TurboTax, H&R Block, and TaxAct handle the Box 7 issue automatically when you input your mortgage interest information. You typically just enter the amount from Box 1 of your 1098, and the software assumes it's for a qualified residence unless you specify otherwise. If you're using TurboTax, it will ask you questions about the property (like "Is this your main home?") rather than specifically asking about Box 7. As long as you answer that it's your primary residence, the software will properly categorize the deduction regardless of what's checked on the form. The Box 7 checkbox is really more for the IRS's information processing than for your tax preparation. Your software cares about the actual facts of your situation, not what boxes the lender checked or didn't check on the form.

Quick question - I have a settlement coming up for a car accident. I'm getting about $31k for my injuries and the insurance is paying my lawyer directly (about $12k). My lawyer said I won't owe taxes, but the insurance company mentioned something about sending a 1099. Should I be worried?

Based on what you've described, you're in a good position tax-wise. Since your settlement is specifically for physical injuries and the attorney fees are being paid separately and directly to your lawyer (not through you), you likely won't owe taxes on either portion. The key factors working in your favor are: 1) Physical injury settlements are generally tax-free under IRC Section 104(a)(2), and 2) Attorney fees paid directly by the defendant to your attorney aren't considered income to you. However, I'd recommend keeping detailed records of everything - the settlement agreement showing the separate payment structure, any documentation showing the attorney fees went directly to your lawyer's firm, and confirmation that this was purely for physical injuries with no punitive damages or other taxable components. If you want absolute certainty, consider having a tax professional review your specific settlement documents before filing. Every case has unique details that could affect the tax treatment.