When my return was stuck like this last year, it was like being trapped in tax purgatory. After three weeks of waiting, I tried calling the IRS directly - like trying to get tickets to a sold-out concert but worse. Then I found Claimyr (https://youtu.be/_kiP6q8DX5c) which got me connected to an actual IRS agent in about 30 minutes. It's like having a fast-pass at an amusement park when everyone else is standing in the regular line. The agent confirmed my return was just waiting for final verification and it was approved two days later.

Have you checked your IRS transcript online? Sometimes it shows processing steps that WMR doesn't reveal. The combination of self-employment and credits often triggers what the IRS lovingly calls "additional review" (their euphemism for "we're going to take our sweet time"). 😂

Has anyone had success contacting SBTPG directly about weekend processing? I'm wondering about a few things: • Do they have different processing timelines for different banks? • Is there a cutoff time on Friday for weekend processing? • Do they prioritize certain types of returns? I've seen mixed reports about weekend processing and wondering if there's a pattern we're missing.

Watch out for SBTPG's timing! Last year on April 12th, 2023, my status changed to 'funded' on a Friday afternoon, but the money didn't hit my account until Wednesday, April 17th. Their website claimed 1-2 business days, but it took 3 full business days. If your tuition deadline is coming up soon (like before April 30th), I'd recommend having a backup plan just in case. The timing is never guaranteed, especially this close to the tax deadline when their systems are overloaded.

Just to clarify something that hasn't been mentioned yet - code 570 specifically means "Additional Account Action Pending" and it's basically the IRS saying "hold up, we need to look at something before sending your refund." It's not necessarily an audit or anything scary. Sometimes it's just verification of identity or income. I've had this happen twice and both times it resolved without me doing anything. 😅 The refund was just delayed by a few weeks.

Be careful about assuming this will resolve automatically. I've seen cases where: • A 570 code appeared with no further updates for 60+ days • The taxpayer never received the notice that was supposedly sent • The hold was for a simple issue that could have been resolved quickly if addressed • The refund was significantly delayed because the taxpayer didn't follow up If you don't see movement within 21 days of the 570 code appearing, be proactive and contact the IRS. Don't assume it will just work itself out, especially if you have investment income that might trigger additional scrutiny.

I'm an Enrolled Agent and I've seen this exact scenario play out with multiple clients this tax season. The Form 8812 (Additional Child Tax Credit) reconciliation process is creating a bottleneck in IRS processing centers. When the Automated Underreporter (AUR) system flags a discrepancy between claimed CTC amounts and the advance payment database, it routes the return to Error Resolution System (ERS) for manual review. One client had a $1,800 advance payment but claimed the full $2,000, resulting in a TC 570 hold followed by TC 971 notice generation and ultimately a TC 290 adjustment reducing the refund by exactly $1,800.

There's an important deadline to be aware of here. According to Internal Revenue Manual 21.5.6, the IRS must issue refunds within 45 days of the filing deadline (May 15, 2024) or they must pay interest on your refund amount. So even if your return is stuck in the error department for Child Tax Credit corrections, they have a regulatory incentive to process it by June 29, 2024. If you filed before the deadline and don't receive your refund by then, you'll automatically be paid interest (currently at 7% annual rate) for each additional day they hold your money.

What others haven't mentioned is that you can also file Form 8379 for up to 3 years after filing your original return. So if you've already filed jointly for 2023 and are worried about an offset, you can still submit the injured spouse form separately. This is different from innocent spouse relief (which is for tax debt you didn't know about). I've helped several friends through this process when their spouses had student loans or child support in collections. Every case was successful, but processing times varied from 8-16 weeks compared to the usual 3 weeks for regular refunds.

One important detail. Form 8379 doesn't guarantee full protection. IRS uses proportional income formula. Your refund portion based on your contribution percentage. Not a simple 50/50 split. Document all withholdings carefully. Keep separate records. Submit with original return for faster processing. Expect delays regardless. Check transcript weekly for updates. Code 971 with amount shows offset applied. Don't count on money until received.

I was in the same situation waiting for my Chime deposit. After a week of checking WMR obsessively, I finally called the IRS using Claimyr (https://www.claimyr.com) and got through to an agent in about 15 minutes. Found out my refund was actually scheduled but hadn't updated on WMR yet. Got the deposit to my Chime account the next day! Saved me weeks of stress wondering what was happening.

My experience with Chime has been inconsistent. Last year got it 2 days early, this year got it right on the DDD date. I think it depends on what time of day the IRS actually releases the payment batch.

Last year I had the exact same situation - SBTPG showed funded on Tuesday afternoon but money didn't hit until Thursday morning. This year I switched to direct deposit from the IRS instead of going through my tax preparer's refund transfer and got my money 5 days faster. If you're using SBTPG, it means you probably opted for fees to be taken from your refund rather than paying upfront. That convenience always adds processing time.

According to the SBTPG FAQ page (https://taxpayer.sbtpg.com/hc/en-us/articles/360001672771-When-will-I-receive-my-refund-), "Once your refund has been funded, it typically takes 1-2 business days for your bank to make the funds available to you." Have you checked with your bank to see if they're showing a pending deposit? Sometimes customer service can see incoming ACH transfers before they post to your account.

Check the IRS2Go app instead of the website. Sometimes it shows different info. Also try looking up your tax transcript at irs.gov/transcripts - this shows the actual processing status and any adjustments they made. I've seen this happen a lot on r/IRS and other tax forums. Most people who get their refund without WMR updating never have any issues. If you're really concerned, you can create an account on ID.me to access your full tax records.

I'd be careful about assuming everything is fine just because the money arrived. Last year, I received my refund without any WMR updates, but three months later got a notice that they had miscalculated my Child Tax Credit. I had to repay $1,200 plus interest. The IRS systems don't always communicate correctly with each other, especially during peak filing season. I would suggest checking your transcript in about 2-3 weeks to make sure everything is properly recorded. It's possible they processed your return correctly but the WMR system just didn't update, but it's better to verify than assume.

Has anyone actually had to use a trace number to find their refund? I'm curious about real experiences. Is it something we should write down somewhere when we see it? Or is it only available by calling the IRS?

To clarify what others are saying: The trace number becomes relevant during the final stage of refund processing. After your return is processed and approved, the IRS initiates an ACH transfer to your bank. This transfer carries a unique identifier (the trace number) that follows your money through the Federal Reserve system and to your financial institution. You typically won't need this information unless there's a delay or problem with the deposit reaching your account after showing 'funded' status.

Just a heads up - the emerald card has different deposit times than regular bank accounts. I got mine at 11:30pm the night BEFORE my DDD. H&R Block releases it as soon as they get it from the IRS, not on the exact DDD date.

Be careful with those emerald cards! Last year my DDD was February 22nd, and I didn't get my refund until March 1st. H&R Block claimed there was a "verification hold" they never told me about. I had to call them 4 times and each representative gave different information. Make sure to check your emerald card account online daily starting from today.