I work in IT and these transmission errors are often related to network congestion or packet loss. Here's a technical trick that sometimes works: change your DNS settings temporarily to use Google's DNS (8.8.8.8 and 8.8.4.4) or Cloudflare (1.1.1.1). Also try using a wired ethernet connection instead of WiFi if possible. Wireless connections can sometimes drop packets which causes secure transmissions to fail.

I had this exact same issue last year and it was driving me absolutely crazy! What finally worked for me was clearing ALL my browser data (not just cache - cookies, stored passwords, everything) and then logging back into TurboTax fresh. Also make sure you're not using any ad blockers or privacy extensions that might be interfering with the secure transmission. TurboTax uses some pretty strict security protocols that can conflict with certain browser extensions. If you're still stuck, try accessing TurboTax from a completely different device if you have one available - sometimes there are weird local computer issues that cause these transmission problems. Don't give up on e-filing yet! The paper route really will delay your refund significantly.

I'm going through the EXACT same situation! My DDD was 2/22 and I'm still waiting on my Netspend card through Pathward too. It's so reassuring to read all these comments and realize this is just normal Pathward behavior - I was starting to panic thinking something went wrong with my refund! I've been obsessively checking my account every few hours and called Netspend twice yesterday with no luck. It's incredibly frustrating that they can just sit on our money for up to 5 business days while earning interest on it. I have bills due next week and was really counting on this refund. From what everyone's saying here, it sounds like we just have to wait it out until the full 5 business day window is up. Definitely switching to a real bank account next year after this experience! Thanks for posting this - it's good to know we're all dealing with the same Pathward delays right now.

I'm experiencing the exact same issue! My DDD was 2/23 and I'm using Netspend through Pathward as well - still no sign of my refund. I've been checking my account multiple times a day hoping it would magically appear. Called Netspend customer service yesterday and they gave me the same response about no pending deposits showing up. It's really stressful when you're depending on that money for bills and expenses coming due. After reading through everyone's experiences here though, I'm feeling a lot more reassured that this is just typical Pathward timing - seems like they consistently take the full 4-5 business days they're allowed to hold our funds. It's frustrating that they can earn interest on our money during that time while we're left wondering if something went wrong. Thanks for starting this thread - it's comforting to know so many of us are going through the same delay right now with Pathward. Definitely considering switching to a regular bank account next year to avoid this stress!

I went through this exact scenario two years ago and made some costly mistakes initially. The key thing to understand is that Box 12V represents the "bargain element" - the difference between what you paid for the options and the fair market value when you exercised them. This is always ordinary income, not capital gains. Here's what I learned the hard way: When you sell the actual shares later, your cost basis is the exercise price you paid PLUS the Box 12V amount that was already taxed as income. This prevents double taxation on that portion. Only any additional appreciation (or loss) from the exercise date to sale date becomes capital gain/loss that can be offset with other investment losses. So to answer your original question - no, you can't back out the Box 12V from Box 1, and you can't use capital losses against it. But you can use those losses against any capital gains from the actual stock sale if there was additional appreciation after exercise.

I've been dealing with stock compensation for several years now and want to emphasize something important that might help with your planning. While you're correct that you can't offset the Box 12V ordinary income with capital losses, you should look at the timing of when you exercise options versus when you sell shares. If you have significant capital losses from other investments, consider holding onto the shares you received from exercising your NQSOs for a while before selling (assuming you can afford to). This way, if the shares appreciate further, you'll have capital gains from the stock sale that CAN be offset by your existing capital losses. Also, make sure you're keeping detailed records of your exercise date, exercise price, and the fair market value on exercise date (which should match your Box 12V amount). You'll need all this information to correctly calculate your basis when you do sell the shares. I learned this the hard way when I couldn't find my old records and had to reconstruct everything during tax season. The tax treatment of stock compensation is definitely one of those areas where getting professional help early can save you money and headaches down the road.

Just went through this in February. Keep in mind the state might actually withhold your refund if you have federal debt. In my case, Connecticut sent me a letter saying they were holding my state refund because of my federal tax debt. Had to call both the state tax office and the IRS to sort it out. Total headache!

This is exactly the situation I was in last year! The stress of not having $13k sitting around while waiting for bureaucratic processes is real. One thing that helped me was calling my state tax department directly to ask about expedited processing. Some states will prioritize refunds if you explain your situation and that you're using it to pay federal taxes. It's worth a shot - the worst they can say is no. Also, if you have any retirement accounts or can borrow against a 401k, that might be cheaper than IRS penalties and interest. Just make sure you can pay it back quickly when your state refund comes through. The key is having a solid plan for both the payment and repayment timeline.

I completely understand that anxiety! I've been there multiple times and it's torture waiting and constantly checking. From my experience, there really isn't a set time - it depends on both when the IRS sends the batch containing your refund AND your specific bank's processing schedule. The IRS typically sends direct deposit files to banks throughout the day, but most banks only process and post deposits during their overnight batch runs (usually 12am-6am). Some online banks and credit unions are faster and may post immediately when they receive the file. One thing that helped me manage the anxiety was understanding that "refund sent" on WMR just means the IRS transmitted your payment info - your bank can still take 1-3 business days to actually make it available in your account. It's frustrating but totally normal! My suggestion: set specific times to check (like once in the morning, once in the evening) rather than constantly refreshing. I know it's easier said than done when you're eagerly waiting, but the constant checking just amplifies the stress without changing anything. Your refund will appear when your bank's system processes it!

I've been through this exact same stressful waiting game so many times! The uncertainty is the worst part. From what I've observed over the years, there really isn't one specific time that applies to everyone - it's a combination of when the IRS processes your particular batch and your bank's deposit posting schedule. Most traditional banks (like Wells Fargo, Chase, BofA) post deposits during overnight processing windows, typically between 12am-6am. But I've also seen refunds appear mid-afternoon, especially with smaller banks or credit unions that process throughout the day. The key thing to remember is that when WMR says "sent," that's just the IRS releasing the payment file to your bank. Your bank then needs time to process and post it, which can take 1-3 business days depending on their systems and policies. I know it's incredibly hard, but try to resist the urge to check constantly - it just makes the anxiety worse and doesn't change when the money will actually appear. Maybe check once when you wake up and once before bed? The refund will show up when your bank's processing cycle gets to it. Hang in there!