After spending WEEKS trying to decode what was happening with my transcript (all those codes made my head spin), I used taxr.ai and it explained everything instantly. Turned out there was a simple issue holding up my refund that I could fix with a quick call. Would have never figured it out on my own - best money I've spent this tax season for sure. https://taxr.ai

This is super frustrating but unfortunately pretty common! The federal and state systems don't communicate at all, so it's totally normal for one to process fine while the other has issues. A few things to check: - Make sure you're using the EXACT refund amount from your actual filed return (line 35a on Form 1040), not what you calculated or expected - Double-check your SSN entry - even one wrong digit will trigger this error - Verify your filing status matches what the IRS has on file - Sometimes the system just needs 24-48 hours to fully update If you used tax software, log back into your account and confirm the final federal refund amount - software sometimes makes last-minute adjustments that change the final number. The Where's My Refund tool is notoriously finicky, so don't panic yet! Try again tomorrow with the exact amounts from your return. If it's still not working after that, you might need to call them or check your transcript to see what's actually happening with your return.

Same thing happened to me last year! The 846 code is definitely good news - it means the IRS has processed and approved your refund. The disconnect between your transcript and SBTPG is super common and frustrating. From my experience, SBTPG usually takes 2-3 business days after the 846 date to actually receive and process the funds from the IRS. Their website is notoriously slow to update too. I'd give it until Thursday or Friday before getting worried. In the meantime, keep checking your actual bank account directly rather than relying on SBTPG's site - sometimes the money shows up there first. And if you're still anxious, you might want to call your bank to make sure there aren't any holds or issues on your account that could delay the deposit. Hang in there! The 846 code means your money is definitely coming, it's just working its way through the system. The waiting is the worst part but you're almost there! 🤞

I went through this exact same situation about 6 months ago and it was so stressful! The 846 code is actually great news - it means the IRS has officially approved and scheduled your refund for disbursement. The frustrating part is that SBTPG's systems are just really slow to update. In my case, it took about 3 business days after my 846 date for SBTPG to acknowledge they had received anything, and then another day for the money to actually hit my bank account. The whole time their website kept saying "account not found" even though everything was processing normally behind the scenes. My advice: stop checking the SBTPG site for now (it'll just stress you out) and instead check your bank account directly each morning. Sometimes the refund appears there before SBTPG even updates their status. Also make sure your bank doesn't have any holds or flags on your account that might delay processing. The 846 code with today's date means your refund is in the pipeline and should arrive within the next few business days. I know it's hard when you're counting on that money for bills, but try to hang tight - it's coming! The system is just slower than we'd like it to be.

I'm a new member here and this entire thread has been such a lifesaver! I'm also dealing with a DDD of 5/22 and experiencing the exact same issue with Navy Federal - absolutely nothing showing as pending. This is actually my first year filing taxes as an independent adult (just turned 18 and moved out), so I was completely panicking thinking I'd messed something up on my return. Reading through everyone's experiences has been incredibly reassuring. It's clear this is Navy Fed's new policy across the board and not individual account problems. I really appreciate all the members who took the time to call customer service and share what they learned - that context about why they made this change is so helpful even if I don't love their reasoning. What's particularly frustrating as a newcomer to both taxes and Navy Fed is having no baseline for what's "normal." The complete silence from their system had me convinced I'd entered wrong routing information or that my return got rejected somehow. But based on everyone's shared experiences from earlier this tax season, it sounds like Thursday morning should bring good news! I'm definitely setting up those account alerts that were mentioned and trying to stop refreshing my app every 30 minutes. Thanks to this community for providing both practical advice and emotional support - without finding this discussion, I would have probably called both the IRS and Navy Fed unnecessarily!

Welcome to the community, Marina! As someone who's been through this exact same anxiety-inducing experience with Navy Fed, I can completely relate to your panic - especially since this is your first year filing independently. That adds such an extra layer of stress when you have no reference point for what's normal! I had my DDD earlier this month (5/15) and went through the exact same thing - absolutely nothing showing as pending, constant app refreshing, convinced something had gone wrong. But sure enough, the money hit my account at around 3am on the exact DDD without any warning whatsoever. What I learned from calling their customer service is that they specifically changed this policy to reduce confusion, but ironically it's creating way more anxiety for those of us who relied on pending notifications for planning. The good news is that based on everyone's experiences in this thread, Navy Fed's actual deposit processing is still just as reliable as before - they've just eliminated the advance visibility. You're definitely on the right track setting up those account alerts. That was a game-changer for me because I could finally get some sleep instead of staying up all night checking manually. Thursday morning should bring good news for all of us with 5/22 DDDs - hang in there, and congratulations on successfully navigating your first independent tax season! The waiting is the hardest part, but you've got this.

Has anyone used TurboTax for handling this situation? I'm trying to figure out if it can properly account for partial city tax based on days worked remotely vs. in office.

I went through this exact situation last year and it was such a headache! My city initially told me I still owed the full tax, but after digging deeper I found out they have a "days worked" calculation method. You'll need to keep detailed records of which days you worked from home vs. in the office. I created a simple spreadsheet tracking this throughout the year. When I filed, I was able to reduce my city tax by about 85% since I only went into the office maybe 2-3 times per month. The key is being proactive about documentation. Don't wait until tax time to start tracking this - start now for next year. Also, check if your city has issued any specific guidance about remote work policies. Many cities updated their rules during 2020-2021 but haven't been great about publicizing the changes. One tip: if you're unsure, it might be worth paying a local tax professional for a consultation. The money you save could easily pay for their fee, especially if you've been overpaying for multiple years.

Has anyone used TurboTax for this situation? I've been using it for years but now I'm wondering if it's been calculating my federal disability retirement correctly. Does it know to use Box 2a instead of Box 1?

This is exactly the kind of issue that highlights why federal employee retirement taxation can be so tricky. As others have mentioned, you're absolutely correct that Box 2a should be used for your taxable income calculation, not Box 1. For federal law enforcement officers with disability retirements, the tax-exempt portion typically comes from one of two sources: either contributions you made with after-tax dollars during your service, or the portion of your retirement that qualifies as disability compensation under federal tax code. Since you mentioned this has been happening for years, I'd strongly recommend pulling together your last 3-4 years of tax returns and 1099-R forms to compare what was reported versus what should have been reported. The potential refunds could be substantial. One thing to be aware of - when you file amended returns for this type of correction, make sure to clearly document that you're correcting the use of Box 1 versus Box 2a amounts. The IRS sees a lot of federal employee retirement tax corrections, so they're familiar with this issue, but clear documentation helps ensure smooth processing. Also, if you have access to your OPM retirement account online, they often have explanatory documents that break down exactly why there's a difference between your gross and taxable amounts, which can be helpful supporting documentation.