Called CK earlier today. They said theyre experiencing 'technical difficulties' with the advance system. Could take up to 5 business days now smh

Ugh this is so frustrating! I filed on 1/20 too and got accepted the same day but still no advance. The whole "minutes after acceptance" thing feels like false advertising at this point. Really considering switching to a different service next year if they can't get their act together 😤

Just got my Chime advance this morning! Filed Sunday night, got IRS acceptance Monday, and it dropped into my account today (Tuesday) around 10am. Definitely faster than my old bank used to be. Pro tip: make sure you have notifications turned on in the Chime app so you don't miss it when it hits!

Just wanted to add my experience - got my Chime advance in about 36 hours last week! Filed Thursday evening, IRS accepted Friday morning, and the advance showed up Saturday afternoon. The notification came through about 30 minutes before the actual deposit hit my account. One thing to keep in mind is that weekends might slow things down slightly, but Chime is definitely one of the faster options out there for refund advances.

I just want to emphasize something that might help ease your stress about this situation - you're definitely not alone in being confused by gambling tax rules! The fact that you're asking questions and trying to report everything correctly puts you ahead of many people who just ignore the 1099-MISC entirely. Since you mentioned using TurboTax, I'd recommend running through their gambling income section even if you end up consulting a tax professional. It will walk you through the basic concepts and help you understand the choices you're making. TurboTax has gotten much better at handling gambling income over the years and will automatically calculate whether itemizing makes sense for your situation. One practical tip for this year: when you contact Modo for transaction records, ask specifically for a "tax summary report" or "annual statement" - many casinos have standardized reports they generate for tax purposes that are more comprehensive than their regular transaction history. This saved me a lot of time organizing my records when I was in a similar situation. Also, don't forget to keep copies of everything - your 1099-MISC, the detailed transaction history from Modo, and any other gambling-related documents. The IRS can ask for supporting documentation for up to three years after you file, so having everything organized will save you headaches down the road if they ever have questions.

I've been through a similar situation with online gambling winnings and want to add a few practical points that might help you navigate this more smoothly. First, when you contact Modo for your transaction history, be prepared that it might take a few business days to receive the complete report. I'd recommend reaching out sooner rather than later, especially if you're planning to file your taxes soon. Some casinos get overwhelmed with these requests during tax season. Second, while everyone's focused on the documentation aspect (which is absolutely crucial), don't forget about estimated tax payments if you expect to owe a significant amount. If your gambling winnings push you into owing more than $1,000 in taxes for the year, you might need to make quarterly estimated payments going forward to avoid penalties. Third, regarding TurboTax - their gambling section has a helpful feature where you can input your total winnings and losses, and it will automatically calculate whether itemizing or taking the standard deduction is more beneficial. This takes a lot of the guesswork out of the decision. Finally, consider this a learning experience for future gambling activities. If you plan to continue playing at online casinos, start keeping a simple spreadsheet with dates, amounts wagered, amounts won/lost, and platform names. It makes tax time much less stressful when you have everything organized from the start. Good luck with your filing - you're asking all the right questions and being responsible about reporting everything correctly!

This is such a great example of why it's worth double-checking your tax software calculations! I'm glad you got it resolved, Chloe. For anyone else reading this thread, I'd also recommend checking the IRS's Interactive Tax Assistant tool on their website (irs.gov/help/ita) - it's a free resource that can help you verify whether you qualify for specific credits like the Child Tax Credit. The income threshold issue you mentioned is really important - even small differences in how software categorizes income can push you over phaseout limits for credits. It's why I always review the actual tax forms (like Form 1040 and Schedule 8812 for Child Tax Credit) in addition to the software summary to make sure everything looks right. Thanks for sharing the resolution - it'll definitely help other people who run into similar discrepancies between tax programs!

As a tax preparer, I see this issue frequently during tax season! The Child Tax Credit discrepancies you experienced are actually more common than people realize. Software programs can interpret the same information differently, especially when it comes to complex eligibility requirements. One thing I always tell clients is to look at the actual IRS forms your software generates, not just the summary screens. Pull up Form 1040 and Schedule 8812 (Child Tax Credit) from both programs and compare them line by line. You'll often find the exact spot where the calculations diverge. Also, for future reference, the IRS has updated the Child Tax Credit rules several times in recent years, and some software takes longer to implement these changes correctly. FreeTaxUSA tends to be pretty reliable with credits, but it's always worth verifying with a second source when the difference is this significant. Glad you got it sorted out with TurboTax support! The income categorization issue you mentioned is a perfect example of why these discrepancies happen - small data entry differences can have huge impacts on credit eligibility.

Did they withhold any taxes from your paychecks? If not, and you made under $600, then I don't think you'd get a W-2 anyway but rather a 1099. But restaurants typically put all workers on payroll as employees (W-2). If they did withhold taxes, you definitely want to track this down because you might actually be owed a refund of those withheld amounts!

I went through something very similar when a small retail store I worked at during college closed suddenly. Here's what I learned from that experience: First, definitely try the IRS wage and income transcript - you can request it online at irs.gov. Even if the business is gone, they may have filed your W-2 before closing. If that doesn't work, check your state's Secretary of State business database. You can usually search by business name and find the registered agent or owner information. Sometimes they're required to maintain contact info even after dissolution. Also, try reaching out to your state's Department of Labor or wage and hour division. They sometimes have records of businesses that have closed and can help track down former owners for employment-related issues. If all else fails, Form 4852 is your backup. Keep any documentation you have - pay stubs, bank deposits, anything that shows your earnings. The IRS accepts reasonable estimates when the employer fails to provide proper documentation. And yes, you do need to report all W-2 income regardless of the amount - there's no minimum threshold for employee wages like there is for contractor payments.