I believe I might be able to help explain what's happening with your specific situation. The state and federal refund systems operate on completely separate processing schedules, which is why you received your state refund first. For Chime accounts specifically, there appears to be a potential pattern this tax season where: • If your DD date falls on a Tuesday (like your 3/12), deposits typically arrive Monday afternoon or Tuesday morning • The system seems to process batches around 10am, 2pm, and 4pm Eastern • Some users report that checking your Chime account too frequently can sometimes delay the notification It's perfectly normal to still be waiting, and I wouldn't be concerned unless it hasn't arrived by the end of day tomorrow. I hope this helps ease your mind somewhat during this waiting period.

According to the IRS2Go app and several reputable tax forums, Chime's early deposit feature works differently with government refunds than with regular paychecks. The IRS sends refunds in batches, not continuously throughout the day. If you check the Chime subreddit, you'll see most people with 3/12 dates are still waiting too. The real pattern I've noticed from tracking these posts is that your state's processing efficiency has little correlation with federal timing. Don't stress unless you pass your actual DD date without receiving funds.

Wait, does this mean the processing time is actually longer for people who file on Mondays versus people who file on Fridays? I always thought the 21 days was just a general guideline, but now I'm wondering if the specific day of the week you file impacts when you'll get your refund. Has anyone noticed patterns with this?

Former IRS employee here. The 21 days is calendar days. Not business days. Returns are processed in batches 24/7. Human intervention only happens during business hours. This is why some people see transcript updates on weekends. The system never stops. Gig worker returns take longer. Self-employment income triggers additional verification. Expect 30-35 days minimum with gig income.

Be careful about assuming you'll get your refund without warning! Last year I never saw updates on the website, but instead of getting my refund, I got a CP05 letter requesting more information! I'm so upset thinking about it even now. The letter came 10 weeks after filing, and then took another 8 weeks to resolve. By the time I got my refund, I had already missed payment deadlines I was counting on that money for. Check your mailbox religiously - sometimes they send notices without updating online systems!

According to the IRS.gov processing guidelines, identity verification can add 9 weeks to processing time. The IRS Where's My Refund tool often doesn't update until final processing stages. The official IRS statement is that most refunds are issued within 21 days, but identity verification, credits claimed, and other factors can extend this timeline significantly. Have you checked the Tax Season Refund Frequently Asked Questions page on IRS.gov? It specifically addresses these delay scenarios.

I had the same DDD and successfully received my refund through Cash App this morning. Here's what worked for me: 1. First, I verified my DDD was still 3/12 on the Where's My Refund tool 2. I made sure my Cash App account was fully verified (including SSN) 3. I checked that my account and routing numbers matched what I submitted on my return 4. I enabled notifications in Cash App settings 5. The deposit hit around 11:45am today If you've done all this and still don't see it by tomorrow, contact Cash App support through the app, then follow up with the IRS if needed.

Have you tried reaching out to Cash App support directly? I had a similar situation last year with Venmo. My DDD was February 15th and nothing showed up for days. Turns out they had flagged my deposit for review since it was significantly larger than my usual transactions. One quick call to support and they released it within hours.

Did you file your return before March 1st? I'm curious because I've noticed a pattern where returns filed in February with verification requirements seem to have longer processing times compared to those filed in early March. Also, did the IRS employee who verified your identity mention anything about the specific type of verification code on your account? Some verification codes (like 5071C) clear faster than others (like 4883C).

I might be able to provide some insight based on what I've observed. The IRS typically updates their transcript database on Thursday nights and sometimes on Sunday nights. If your verification was processed after the Thursday update cycle on March 7th, it's possible that your records might update this coming Thursday (March 14th). I would suggest checking your transcript on Friday morning, March 15th. I don't want to make any guarantees, but this pattern has been fairly consistent in my experience with the IRS processing cycles.

You might want to try checking your account transcript rather than return transcript. Sometimes the account transcript will update with codes even when your return transcript still shows N/A. In my experience, it's usually a better indicator of where things stand. It's sort of like a behind-the-scenes look at what the IRS is actually doing with your return.

According to Internal Revenue Manual 21.4.1.3, "State and federal tax processing systems operate independently with no verification requirements between jurisdictions." I've found that checking your federal transcript for TC 150 (return filed) followed by TC 846 (refund issued) is the most reliable method. Per IRS Publication 2043, verification notices are typically issued within 15-21 days of filing if required.

I think we've all been there with IRS calls... maybe try the lesser-known approach? Perhaps contact your local Taxpayer Assistance Center and schedule an in-person appointment? I'm not entirely sure, but I believe they might be able to help with refund status questions. Just be aware that you'll need to call the appointment line at 844-545-5640 to schedule, and appointments are typically available 30 days out. Might be worth considering if your issue is time-sensitive and you haven't had luck on the phone.

I work with tax issues daily and here's what actually works: 1. Call 800-829-1040 2. When prompted, press 2 for Spanish (even if you don't speak it) 3. When the Spanish menu begins, press 1 (this gets you to an English-speaking representative) 4. Press 3 for "other tax questions" 5. Press 2 for "all other questions" 6. When asked for SSN, DON'T ENTER ANYTHING 7. When prompted again, press 2 8. Press 4 for "all other inquiries" This bypasses the highest-volume queues. I got through in 20 minutes yesterday using this method. The representatives speak English regardless of which language queue you enter through.

I verified online exactly 26 days ago and by phone 14 days ago. My transcript updated exactly 7 days after phone verification with a 971 notice code, then 3 days later with a 570 code, and finally 4 days after that with an 846 direct deposit code. The entire process took exactly 28 days from initial verification to refund in my account. The online verification DOES work, but the IRS internal processing doesn't instantly reflect in their public-facing systems.

Think of the IRS verification system like checking luggage at the airport - your bag (verification) is confirmed as received at check-in (phone call), but it still needs to travel through the conveyor belt system (internal processing) before it reaches your destination (transcript update). The phone agents can see it's in the system, but they can't necessarily speed up the conveyor belt. This is why you're getting conflicting information - you're verified in one system but that information hasn't propagated to all systems yet.

The system is back up now - just successfully submitted my return 10 minutes ago. I've been checking hourly since yesterday afternoon. What worked for me was going through the "Where's My Refund" tool first, which seemed to refresh my session credentials, then immediately trying to access the e-file system. I've experienced these outages before during the 2022 tax season when they were updating their identity verification protocols, but I'm surprised they're still having these issues in 2024. They must be running on technology from the stone age compared to what banks use these days.

I went through this same roller coaster last week. It's like when the DMV website crashes right before registration deadlines - totally predictable yet somehow never fixed. I tried for two days straight before getting through. What worked for me was filing at 4:30am when server load was lower. If you're on a deadline, the IRS actually has a form (Form 8948) that you can submit explaining why you had to paper file instead of e-file. Compared to the passport renewal system issues last summer, the IRS is actually handling this better - at least they have status updates.

Have you checked your tax transcript for any movement? Sometimes there are indicators there even when WMAR doesn't update. • Look for TC 971 codes • Check for any 570/571 combinations • See if there's a 290 code with the same cycle as your original return These can tell you if your amendment is actually being processed despite no visible updates on the WMAR tool.

Have you tried calling the Taxpayer Advocate Service? They sometimes can help if you're experiencing financial hardship due to the delay. What was the reason for your amendment exactly? Some types get processed faster than others.