their website is trash ngl. always giving errors or timeout messages

Also worth mentioning that if you e-filed, you generally need to wait at least 24 hours after the IRS accepts your return before the "Where's My Refund" tool will have any info. And if you filed by mail, it can take 3-4 weeks before it shows up in their system.

I just received my deposit with Go2Bank about an hour ago! My DDD was 3/15 as well. Have you checked your account recently? Sometimes they don't send notifications right away. I've noticed that Go2Bank tends to process their deposits in waves throughout the day, unlike some banks that only do it once in the morning. Are you seeing the deposit pending in your account or nothing at all yet?

I'm also waiting on my Go2Bank deposit with a 3/15 DDD! Reading through everyone's experiences is really helpful - it sounds like Go2Bank is pretty reliable but just not as predictably early as some of the other fintech banks. I've been obsessively checking my account all day after seeing people with Chime getting theirs yesterday. For what it's worth, I called Go2Bank customer service this morning and they said they don't have visibility into when IRS deposits will hit, but that they typically process them as soon as they receive the funds from the Treasury. The rep mentioned that deposits can come through at various times throughout the day, not just in the morning like traditional banks. Still refreshing my account every hour though! 😅 Will definitely update here when mine comes through to help establish that Go2Bank timeline pattern you mentioned.

ngl the mass tax system is so broken. why they gotta make everything so complicated smh

I went through the same thing in Massachusetts last year! The "Refund Reduced" status typically means they've already processed the offset and your remaining refund should be issued within 3-5 business days. In my case, I had about $800 taken for old UI overpayments but got the rest of my $2,100 refund pretty quickly after seeing that status. One thing to note - if you create the MassTaxConnect account now, you'll be able to see the exact breakdown immediately instead of guessing. The letter they mail is basically the same info but formatted differently. The account setup only takes like 10 minutes and you'll have access to all your tax docs going forward. Also, don't stress too much about the amount they took. Massachusetts can only offset what you actually owe to UI, not a penny more. So if your original refund was $1,500 and you owed $300 to unemployment, you'll get $1,200 back.

Have you checked if the 846 date on your transcript has already passed? I had mine show up on April 12th with a deposit date of April 17th, but then got a verification letter on April 15th. I completed the verification on April 16th, and still got my deposit on April 17th as scheduled. Curious about your timeline specifically.

This sounds like a classic case of the IRS's left hand not knowing what the right hand is doing! I went through something similar last year - had the 846 code with a deposit date, then got a letter asking for identity verification three days later. I was panicking thinking my refund would get held up, but it actually deposited exactly when the transcript said it would. The verification letter turned out to be completely unnecessary in my case. I think what happens is their automated letter system triggers based on certain flags in your return, but by the time the letter gets generated and mailed, your return has already completed processing through a different part of their system. The 846 code is basically the IRS saying "we're sending you money" - they don't issue that code unless everything has been approved and cleared. My advice would be to monitor your bank account around the deposit date on your transcript, and if the refund shows up as expected, you can probably ignore the verification letter. But definitely keep the letter just in case, and maybe call back to speak with a different rep who might have a clearer picture of your account status.

I'm a tax professional who sees this exact OPA system issue constantly during tax season, especially with graduate students. The good news is everything you're describing indicates your payment plan is active in the IRS system - that error when trying to create a new plan is actually confirmation it exists. Here's what I recommend: First, try logging into the main "Online Account" section at IRS.gov (not the payment plan portal) with your ID.me credentials. Look for "Payment Plan" or "Installment Agreement" in your account summary - this often works even when the OPA section is glitching. Check your bank statements for a small test charge from "IRS TREAS 310" (usually $1-2) that you might have missed. These verification charges sometimes get stuck in the system and block account access. Most importantly, call the Taxpayer Advocate Service at 1-877-777-4778 instead of the main IRS line. They handle exactly these technical failures and have much shorter wait times. As a student with system access issues, you qualify for their help. Make a payment through IRS Direct Pay selecting "Form 1040" and "Installment Agreement" to show compliance while resolving access issues. Don't panic - since you established the plan before the filing deadline, you're protected from penalties even with technical glitches. Avoid credit cards at all costs - the interest will be far worse than IRS fees. Your plan exists; it's just a system issue that typically resolves within 2-3 weeks.

I'm a CPA who works with a lot of graduate students, and this OPA system issue is unfortunately extremely common during tax season. The silver lining is that all the symptoms you're describing actually confirm your payment plan is active in the IRS system. Here's my recommended approach: **First, try alternative access methods:** - Log into the main "View Your Account" section on IRS.gov (not the payment plan portal) using ID.me - Look for "Payment Plan" or "Installment Agreement" in your account summary - Check your bank statements for any small charges from "IRS TREAS 310" - these verification micro-deposits often cause access issues if not properly confirmed **For immediate peace of mind:** - Make a payment through IRS Direct Pay selecting "Form 1040" and "Installment Agreement" as the payment type - This demonstrates good faith compliance while you resolve the technical issues **For resolution:** - Call the Taxpayer Advocate Service at 1-877-777-4778 (NOT the main IRS line) - They specialize in system failures like this and have reasonable wait times - Tell them you're a student with an inaccessible payment plan - you qualify for their help **Important:** Since you established the payment plan before the filing deadline, you're protected from failure-to-pay penalties even with these system glitches. The error preventing you from creating a new plan is actually proof your original plan exists. Don't put this on credit cards - the interest rates will be far more expensive than IRS payment plan fees. This is a common technical issue that typically resolves within 2-3 weeks, but TAS can expedite it.