So I just went through this exact situation last week! My transcript showed 846 for 2/21, and I was obsessively checking my Credit Karma account every hour. It finally showed up on 2/20 at around 5:30pm EST. From what I've gathered from other Credit Karma users in their community forum, they typically release 0-1 days early, but it's really inconsistent. Some people get it a day early, some get it right on the date. I've never seen anyone report getting it more than a day early though, so I wouldn't expect it before 2/27. Hope that helps ease your mind a bit!

I'm in the same boat with Credit Karma and a 2/28 deposit date! From what I've experienced and seen others post, CK is pretty conservative with early releases compared to some other online banks. I got my state refund through them last month and it came exactly on the scheduled date, not a day earlier. The 846 code is definitely good news though - means the IRS has processed and approved your refund. I'd plan on getting it 2/28 or maybe 2/27 at the earliest. The waiting game is brutal when you need the funds, but at least you know it's coming! Keep checking your account around evening time if it does come early - that seems to be when CK typically processes deposits.

I might be overreacting, but I would perhaps consider calling them if it doesn't update within about two weeks or so. My brother-in-law waited almost a month thinking it was processing normally, but it turned out his verification wasn't properly recorded in their system. The IRS representative told him it happens occasionally when they're overwhelmed with in-person verifications during peak season.

I went through this same situation last month. My in-person verification took 11 business days to clear from the system, which was frustrating since I needed my refund quickly too. What helped me was checking my account transcript on the IRS website every few days - you can see if your verification was actually processed even if the notification is still there. The transcript will show a code 971 when they receive your verification documents. Also, make sure you keep any paperwork they gave you at the IRS office - I had to reference my confirmation number when I called to check on the status. Hang in there, the gig economy struggles are real and that refund will come through!

I'm in the exact same boat - DDD 2/24 with H&R Block Emerald card and still waiting! Been checking my account obsessively since yesterday. Reading through these comments, it sounds like the timing can be pretty unpredictable. Some people got theirs early, others had delays. I'm going to follow the advice about checking my H&R Block account for any alerts and maybe give them a call if nothing shows up by tomorrow afternoon. Really hoping it comes through soon since I have bills due this week!

Same DDD here (2/24) with H&R Block Emerald card! Still waiting too, but after reading everyone's experiences I'm feeling a bit more patient. It sounds like the timing really varies - some got theirs the night before, some early morning, and others had to wait a few extra days. I'm going to check my H&R Block account online tonight for any alerts or notifications, and if nothing shows by Wednesday afternoon I'll call the number on the back of the card. Really appreciate everyone sharing their timelines - it's helpful to know this variation is normal and we're not alone in the waiting game!

Double check that your withholding from your paychecks was entered correctly. If TurboTax thinks you had way more tax withheld than you actually did, that could explain the large refund. Check line 25d on your draft 1040 - this should match the total federal tax withheld from all your W-2 boxes.

Your refund amount sounds completely legitimate! As a single parent with two kids in that income bracket, you're hitting the sweet spot for multiple tax benefits. The EITC alone can be worth up to $6,728 for someone with 2 qualifying children in your income range. Add the Child Tax Credit ($4,000 for two kids) and education credits (up to $2,500), and you're already at over $13,000 in potential credits. The key thing to remember is that these are refundable credits - meaning even if they exceed your actual tax liability, you still get the full refund. This is exactly how the tax system is designed to support working families like yours. I'd suggest keeping all your documentation organized (W-2s, education receipts, proof your kids live with you) just in case, but don't let fear of an audit stop you from claiming what you're entitled to. The IRS processes millions of returns with similar refund amounts for single parents every year.

I'm in the exact same boat! Filed in late January with a 2/27 DDD and still nothing on my H&R Block Emerald Card. It's now Saturday 3/2 and I'm starting to get really anxious too. Last year I got mine a day early so this delay is unusual. I've been checking the app obsessively every few hours but still shows zero balance. Really hoping it hits over the weekend like some people are saying. The waiting is killing me when you're counting on that money for bills! Keep us posted if yours comes through - I'll do the same.

I'm dealing with the exact same situation! Filed in January with a 2/27 DDD and my H&R Block Emerald Card is still showing zero. It's so frustrating because I really need this money for rent and bills that are due Monday. I've been checking the app constantly and even called the customer service line but they just keep saying "1-3 business days after your deposit date." At this point I'm wondering if there's some kind of system issue on their end because it seems like a lot of people with Emerald Cards are experiencing delays from that 2/27 batch. Really hoping it hits over the weekend but if not, I'm definitely calling first thing Monday morning. The stress of not knowing what's happening is almost worse than just waiting!