I'm in the exact same boat as you! Filed on February 14th, accepted the same day, and WMR is showing a deposit date of March 8th for my BlueBird card. Still nothing as of this morning. Reading through everyone's experiences here is really reassuring - it sounds like BlueBird typically processes within 24-48 hours of the IRS releasing the funds, and many people are getting their deposits a day early this year. I'm going to check my account again tomorrow morning around 6am since someone mentioned they process overnight batches. Thanks for starting this thread - it's helpful to know we're not alone in the waiting game!

I've been using BlueBird for my tax refunds for the past 4 years and wanted to share what I've learned about their deposit timing. BlueBird typically processes IRS refunds faster than most traditional banks, but there's still that 24-48 hour window after the IRS releases the funds. What I've found helpful is checking my account around 5-6am Eastern time, since that's when most of their overnight processing seems to complete. Also, if your transcript shows the 846 code with tomorrow's date, that's when the IRS actually sends the money - BlueBird usually has it posted within 24 hours of that. I know the waiting is stressful, especially when you're counting on that money, but based on everyone's experiences here, it sounds like BlueBird has been pretty consistent this year. Hang in there!

Has anyone tried using TaxAct's direct crypto import options instead of creating a separate PDF? They supposedly added support for some exchanges, though I don't know if Binance.US is one of them.

I just went through this exact process last week with my crypto trades from multiple exchanges. The key insight that saved me hours of frustration is that TaxAct treats the attachment feature differently for crypto than for other investments. First, make sure you're selecting "Category A" instead of Category C if you have any transaction records from your exchange, even without a 1099-B. Category C is really meant for situations where you have zero documentation. Since you have Binance.US records, Category A is more appropriate. Second, as others mentioned, you MUST enter your summary totals in TaxAct's Schedule D section first. Calculate your total proceeds, total cost basis, and total gain/loss from your 15,000+ transactions and enter those numbers. This is what triggers the attachment option to appear later. The attachment option only shows up during the final filing process, specifically in the "Review & File" section, not during preparation. Look for "Supporting Documents" or "Attachments" - the exact wording varies by TaxAct version. One more tip: if your PDF is still large after compression, consider breaking it into multiple smaller PDFs by date ranges. TaxAct allows multiple attachments, and smaller files are less likely to cause upload errors during peak filing times.

Has anyone mentioned estate tax yet? Depending on how big the trust is, you might need to file Form 706 (estate tax return) even if no tax is due. For 2023, the federal exemption is $12.92 million, but some states have much lower thresholds. Also, don't forget about potential state inheritance taxes depending on where you live. Pennsylvania, for example, has an inheritance tax even when federal estate tax doesn't apply.

I went through almost the exact same situation with my mother's trust two years ago - two properties, bank account, and my sister and I as co-trustees. Here are a few additional things I learned the hard way that might help you: Make sure you get date-of-death valuations for ALL assets, not just the properties. Even the bank account balance needs to be documented as of your father's date of death, since any interest earned after that date is taxable income to the trust. If either property has been vacant since your father passed, don't forget about ongoing expenses like property taxes, insurance, and utilities. These are deductible on the trust's tax return and can help offset any income the trust earned. One thing that caught me off guard - when my sister wanted to put her inherited property into her own trust (similar to your brother), we had to be very careful about the timing and documentation to make sure it was treated as a distribution from dad's trust to her personally, then a separate transfer into her new trust. Otherwise the IRS might view it as a direct trust-to-trust transfer with different tax implications. Also consider getting an EIN for any new trust your brother creates before the transfer happens. The paperwork flows much smoother when everything is set up in advance. Good luck navigating all this - it's overwhelming but you're asking the right questions!

Make sure you keep your Medicaid documentation just in case they ask for proof later. Better safe than sorry!

This is actually a really common mistake! The IRS system can be confusing about healthcare coverage reporting. Since you have Medicaid, you're exempt from the marketplace insurance requirements. Just make sure when you refile that you select "had qualifying health coverage" or similar option for Medicaid instead of leaving it blank or checking marketplace coverage. Your Medicaid should count as minimum essential coverage so you shouldn't need any additional forms.

Has anyone had success using TurboTax with these Box 4 adjustments? I'm trying to file myself and I'm not sure if it handles this situation correctly.

I went through this exact same situation two years ago and it was incredibly frustrating! The key thing to remember is that Box 4 adjustments are usually timing corrections, not actual changes to what you paid. Here's what I learned from my experience: Keep detailed records of all your actual payments (bank statements, receipts, etc.) and compare them to what the 1098-T shows. This will help you verify whether the university's reporting is accurate. One thing that helped me was requesting a "student account ledger" from my university's student accounts office (not financial aid). This shows every single transaction on your account with exact dates, which makes it much easier to understand how payments were allocated between tax years. Also, don't stress too much about the amended return possibility. Like others have mentioned, if you had substantial qualified expenses last year beyond what's being adjusted in Box 4, your AOTC likely won't change and you won't need to amend. The most important thing is to use the correct calculation for this year: Box 1 minus Box 4 minus any tax-free assistance (Box 5) equals your qualified expenses for AOTC purposes this year.