I got my 846 code on January 29th this year, and my deposit hit my Chime account on January 30th at exactly 3:17pm. I think it really depends on when the IRS batch processes your specific refund. Last year I had to wait until February 3rd even though my 846 date was February 1st. Just sharing my experience in case it helps!

Congrats on getting your 846 code! I'm still waiting on mine to update. For what it's worth, my sister got her 846 code yesterday with a 2/24 date and her Chime deposit hit this morning around 9am. So it looks like they're processing pretty quickly right now! I've been refreshing my transcripts obsessively while juggling work and family stuff too - the waiting is honestly the worst part. Fingers crossed yours shows up soon and you can get some relief from constantly checking! 🤞

This has been such a helpful thread! I'm dealing with a similar situation but with a twist - we have both joint accounts and separate accounts. We want to contribute $30,000 total to our daughter's 529, but $20,000 would come from our joint savings and $10,000 from my husband's separate investment account. From reading all these responses, it sounds like the $20,000 from the joint account would automatically be split ($10,000 each), but what about the additional $10,000 from his separate account? Would that mean he's giving $15,000 total ($10,000 from joint split + $10,000 from his separate account) while I'm only giving $10,000 from the joint split? Would we need to file Form 709 for gift-splitting to make it $15,000 each, or would my husband need to file since his total exceeds the $18,000 exclusion? The mixing of joint and separate funds is really confusing me!

This thread has been incredibly helpful! I'm actually the original poster (NebulaNomad) and wanted to thank everyone for the detailed explanations. After reading through all the responses, I feel much more confident about our situation. To summarize what I learned: Since our $30,000 contribution is coming from a joint account, it's automatically treated as $15,000 from each spouse for gift tax purposes. Since both amounts are under the $18,000 annual exclusion, we don't need to file Form 709 at all. I ended up calling our 529 plan administrator (Fidelity) as suggested, and they confirmed exactly what everyone here explained. They also sent me links to the relevant IRS publications, which was great for my peace of mind. For anyone else in a similar situation, the key takeaway seems to be: gifts from joint accounts are automatically split 50/50 between spouses, regardless of who originally contributed to the joint account. This makes the calculation much simpler than I initially thought! Thanks again to everyone who shared their experiences and expertise. This community is amazing!

For those still waiting: I recommend setting up IRS transcript access if you haven't already. The cycle code on your transcript can tell you exactly when your return is being processed. For example, cycle code 20240805 means your return was processed in the 8th week of 2024 on the 5th day (Thursday). Wells Fargo typically posts IRS deposits between 3-5am Eastern time on the scheduled date. I've tracked my deposits for 5 years now, and Wells Fargo has never been early but has occasionally been 1 day late depending on when the IRS initiates the ACH.

Thanks for sharing your timeline! This gives me hope - I filed on 2/13 with Wells Fargo and my WMR just updated to show a 3/5 deposit date. Based on what everyone's saying here, it sounds like Wells Fargo is pretty consistent with their timing, even if they're not the fastest. I appreciate you mentioning that it matched your timeline from last year too - helps set realistic expectations. Did you have to do anything special when you moved to the US regarding your tax filing, or was the process pretty straightforward once you got your SSN sorted out?

I've been through this exact scenario twice in the past few years, and the frustration is real! Code 766 with Topic 151 typically means they've made an adjustment to a refundable credit you claimed. The $847 amount that doesn't match your credits exactly could be a partial disallowance or a calculation error on their part. Regarding the Practitioner Priority Service line - unfortunately, that's only for enrolled agents, CPAs, and attorneys representing clients. As regular taxpayers, we're stuck with the main lines. However, I've had better luck calling the "Where's My Amended Return" line at (866) 464-2050 even for non-amended return issues - sometimes they can still access your account and explain what's happening. One thing that helped me was requesting my Account Transcript online rather than just the Return Transcript. The Account Transcript shows the full sequence of transactions and might reveal additional codes that explain the adjustment. You might see a corresponding debit entry that shows exactly which credit was reduced and why. The 35+ day wait for correspondence is unfortunately becoming more common. In my experience, when the letter finally arrives, it's usually requesting documentation to verify the credit you claimed. Start gathering documents now for any credits you claimed - birth certificates for dependents, education records, etc. Being proactive saved me weeks when my letter finally came.

I'm currently dealing with a very similar situation and wanted to share what I've learned so far. Code 766 with Topic 151 appeared on my transcript about 6 weeks ago, and like others here, my refund was reduced by exactly that amount with no explanation letter yet. After reading through all these responses, I called the "Where's My Amended Return" line that Lena mentioned (866-464-2050) and actually got through after about 45 minutes on hold. The agent was able to tell me that my adjustment was related to the Additional Child Tax Credit - apparently they needed to verify my dependent's Social Security Number even though I've claimed this same child for three years. What's really helpful is that the agent could see the letter was generated but got stuck in their mailing queue. She gave me a case number and said I could either wait for the physical letter or respond immediately by faxing the requested documentation (my child's birth certificate and SSN card) to their verification department. For anyone in a similar situation, I'd recommend calling that amended return line even if your issue isn't amendment-related. The agents seem to have the same account access but with shorter wait times than the main taxpayer assistance line.

been waiting since january 15th... hrb dates mean nothing tbh

The Feb 24th date is basically an educated guess from H&R Block based on typical IRS processing times. I've seen it go both ways - sometimes you get it exactly on that date, sometimes a few days earlier or later. What's more concerning is that your federal refund amount isn't displaying properly (just showing "$"). That might be a glitch on their end, but I'd double-check your actual return to make sure everything was filed correctly. Since your return is already accepted, you're in the IRS system now. The real timeline depends on their processing queue and if there are any issues with your return. I'd recommend checking the IRS "Where's My Refund" tool directly - it updates more frequently than H&R Block's once-daily refresh and will give you the most accurate status. Don't stress too much about the exact date though. The 21-day window they mention is pretty standard, and Feb 24th falls within that timeframe if you filed recently.