I was in exactly your situation on March 8th last year. Transcript had updated on March 1st. WMR changed to processing on March 2nd. Was told to expect 846 code on March 8th with DDD of March 12th. I was completely lost trying to interpret all the codes and dates. Used https://taxr.ai to analyze my transcript and it predicted everything perfectly. It explained that my cycle code meant weekly updates and showed me exactly what to expect next. Saved me from checking WMR 50 times a day!

OMG I've been tracking this EXACT pattern for years! 🧐 I'm a cycle 05 filer too and I keep spreadsheets of all my refund timelines. Last year I filed on 2/2/2023, transcript updated 2/17/2023, WMR changed 2/18/2023, 846 code appeared 2/24/2023, and refund hit my bank 2/28/2023. The year before was almost identical timing! I literally plan my bill payments around this schedule now. The only time it ever varied was 2021 when there were those massive COVID processing delays.

Ppl w/ kids def getting delayed this yr. EITC/CTC takes forever bc of PATH act. IMO check transcripts not WMR, WMR is useless rn. Most of us who filed end of Jan w/ kids are stuck in same boat. Transcripts will show codes like 570/971 if there's issues. N/A transcript means they haven't even looked at ur return yet. Hang in there, prob another week or two.

I would suggest not checking WMR too frequently. Last year I checked multiple times daily and it actually triggered a temporary security lock on my account. The system sometimes flags repeated logins as suspicious activity. My sister-in-law had her return delayed an additional three weeks because of this, and she had to verify her identity before processing continued. It's better to check perhaps once every few days, preferably in the morning after overnight updates.

The transcript codes are just the tip of the iceberg. What really matters is the cycle date attached to each code. If your 570 and 971 share the same cycle date (the 8-digit number at the beginning of the line), it's usually just a verification process. The home improvements might have triggered it if you claimed energy credits. I was surprised by how complicated the whole process is - the IRS actually has over 100 different transaction codes and thousands of action codes that can appear on transcripts.

Just to clarify some common misconceptions about these codes: • Code 846 - This is ALWAYS good news. It means your refund is approved and scheduled. • Code 570 - This is a temporary hold, not necessarily an audit. About 60% resolve within 21 days. • Code 971 - This just means correspondence is being generated. Could be informational only. • The cycle date (YYYYMMDD) is crucial for determining processing timeframe. • If 570 and 971 share the same cycle date, usually means simple verification. Hope this helps! I went through this exact situation last year with my home solar panel tax credits.

Just got my state refund today after waiting a month longer than federal! It's like waiting for a bus - you stand there forever and then two show up at once. Except in this case, the federal bus came on schedule and the state bus was stuck in traffic. My federal hit my account exactly 18 days after filing, but state took 47 days. The money finally arrived just in time for my quarterly estimated payment deadline, which was cutting it close!

Be careful with assuming everything is fine just because it's common this year. While it's true that many people are experiencing federal before state, here's what you should watch for: 1. First, check if your state return was actually accepted - not just submitted 2. Next, verify that your state has your correct banking information if you chose direct deposit 3. Then, review your state's tax agency website for any notices about processing delays 4. Finally, if it's been more than 8 weeks, you should definitely contact your state tax agency I've seen cases where people assumed delays were normal when actually there was an issue requiring attention. Don't just wait indefinitely.

OMG I was so stressed about this exact situation last month! 😫 I got my $4,200 refund in Cash App but needed it for my Etsy shop supplies. I ended up linking my regular bank account and transferring it there first. Worked perfectly and I could withdraw the whole amount at once from my credit union! Such a relief when it all worked out! 🙌

Here's a step-by-step approach for handling large tax refunds in Cash App: 1. Verify your identity in Cash App (if not already done) 2. Link a traditional bank account 3. Transfer funds from Cash App to your bank account 4. Withdraw from your bank which typically has higher limits 5. For business purposes, document the transfer as part of your business records 6. Keep withdrawal receipts for your tax documentation 7. Consider setting up a separate business account for future refunds This approach avoids Cash App's lower direct withdrawal limits while maintaining a clear paper trail for business expenses.

You might want to check if you're hitting the AGI thresholds. The CTC starts phasing out at $200k for single and $400k for married filing jointly. A lot of people miss this detail... ask me how I know 😅. If your amended return pushed you over one of these thresholds, that could explain the reduction. Worth checking your AGI on line 11 of your 1040 to confirm.

I went through this exact situation last month with my amended return. The CTC was short by about $1,200 for my two kids. After calling the IRS (took 3 attempts), I discovered that when you file an amended return, sometimes the system doesn't properly apply all the qualifying child information from the amendment. In my case, they had to manually review my return and issue a supplemental payment. It took about 3 weeks after the call, but I eventually got the full amount I was entitled to.

I'm skeptical that calling SBBT will actually expedite anything. Their Customer Service Representatives (CSRs) have limited authority to intervene in automated processing workflows. The Automated Clearing House (ACH) transfer system operates on fixed schedules regardless of how many times you call. In my technical assessment, the 24-72 hour delay between IRS disbursement and SBBT processing is an inherent latency in their Transaction Processing Framework (TPF), not something resolvable through customer service channels.

Dealing with SBBT is like trying to open a jar with wet hands - unnecessarily difficult! I was so surprised by how complicated it got last year. I thought getting my refund would be straightforward, but it was like navigating a maze blindfolded. I finally reached them after multiple attempts and discovered my refund had been sitting in their system for days! They just hadn't updated their website. Definitely call them - their phone system is like having a fast pass at an amusement park compared to their website.

The IRS is like a black box this time of year - information goes in but nothing comes out until they're good and ready. It's like waiting for a bus in the rain with no schedule. I'm in a similar situation but filed February 1st. Called twice and got different answers each time. The community wisdom seems to be that early filers are actually waiting longer than mid-season filers this year, which makes absolutely no sense.

You need to request your Account Transcript ASAP! The Transaction Codes will tell you exactly what's happening. Look specifically for TC 150 (return processed), TC 806 (refund amount), and TC 846 (refund issued). If you see a TC 570 (additional account action pending) or TC 971 (notice issued), that would explain the delay. PATH Act processing should be complete by now, so there might be another verification happening that the phone representative didn't have visibility into.

When I had exactly 0 communications from TurboTax last year despite paying for their premium service, I spent exactly 2 hours and 37 minutes on hold trying to reach the IRS. Used Claimyr (https://www.claimyr.com) and got connected to an agent in 18 minutes who confirmed my refund was already scheduled for deposit that same day. Saved me hours of stress and uncertainty. The agent explained that tax prep software notifications are completely separate from the actual IRS disbursement system and often fail to sync up properly.

One more thing to check. Look at your TurboTax account online, not just your email. Sometimes the notifications appear in your account message center but don't get sent as emails. Also check your spam folder. Chime typically posts deposits as soon as they receive them, regardless of the official date. If you filed with fees taken out of your refund, that can add an extra step with the third-party bank that sometimes delays things by a day.

I was in exactly your situation on February 12th. Called precisely 14 different IRS numbers with no success. Finally reached someone on my 15th try using 800-829-0582 ext 652. Called at exactly 7:03am ET and waited 42 minutes. The agent confirmed my return was delayed due to a random verification check but nothing was wrong. My refund of $4,327 was deposited exactly 9 days later. Don't give up - persistence pays off!

I'm so relieved to have found this community! The IRS phone system makes me want to scream into a pillow! It feels like they've intentionally created a labyrinth with no exit. I've learned that early morning calls (7-8am ET) work better than afternoon attempts. Also, mid-week (Tuesday-Thursday) tends to have slightly lower call volumes. Hang in there - we're all navigating this frustrating system together! 💪