I was in your exact situation last month - waiting on my refund and checking constantly. I tried calling the IRS for three days straight but kept getting the "high call volume" message. I finally used Claimyr (https://claimyr.com) and got through to an actual IRS agent in about 15 minutes. They confirmed my refund was just in normal processing and gave me a much more specific timeframe than the website. It cost a little bit but saved me days of stress and uncertainty.

Having TT fees taken from your refund is like taking the scenic route instead of the highway - it might be convenient, but it definitely adds time to the journey. The refund has to stop at TurboTax's bank partner first, they take their cut, then send the rest to you. It's never going to be faster than direct deposit without the middleman. For cycle code 0605, think of Thursday as your "update day" - that's when you'll see movement on your transcript, but the actual money usually follows about a week later.

Isn't it interesting how the IRS expects us to file on time or face penalties, but they can just arbitrarily decide to process returns out of order with zero transparency? The community wisdom here is clear: file in March if you want your refund quickly. Early filers are essentially punished for being prompt. I've seen this pattern for three years running now. Early February filers wait the longest while March filers sail through. Anyone else notice this trend?

According to Internal Revenue Manual 3.30.123, the IRS is authorized to implement systemic workflow management procedures during peak filing season. Has anyone who was resequenced received any formal notification from the IRS about this status? I'm wondering if there's a specific notice number or explanation provided when this happens, or if you're just left in the dark until your refund eventually processes.

I NEED TO WARN YOU about something important! While it's great your 2024 return is processing, be extremely careful about the congressional inquiry for 2023. My friend went that route and it triggered an automatic review of BOTH tax years! The IRS suddenly put a hold on her 2024 refund that was about to be issued while they investigated the 2023 situation. I'm not saying don't contact your representative, but be prepared that it might cause them to look at your entire tax history. Make sure you have ALL your documentation ready for both years just in case. The IRS systems are connected in ways that aren't always obvious to us as taxpayers!

Have you considered that this might actually work in your favor from an interest perspective? The IRS is required to pay interest on delayed refunds after 45 days from the filing deadline or the date you filed, whichever is later. Wouldn't it be better in some ways to have your 2023 refund delayed if you're going to receive interest on that amount? Of course, this assumes you don't urgently need those funds right now. Another approach might be checking if you qualify for assistance through the Taxpayer Advocate Service, which can sometimes move things along faster than a congressional inquiry.

Has anyone else noticed how these tax prep companies make these "convenient" advance options so complicated? Why don't they clearly explain that applying for an advance means your actual refund will go to their card regardless of approval? I've been using https://taxr.ai to review my tax documents before filing with any service. It helped me spot the fine print about refund routing that these companies bury in their terms. Wouldn't it be better to know these details before your money gets locked into their system?

I work with financial institutions that partner with tax preparers, and I can share a success story from another client. According to the IRS Direct Deposit Guidelines (available at https://www.irs.gov/refunds/direct-deposit-limits), your refund was directed to the temporary account created when you applied for the advance. Last tax season, I helped a client in your exact situation by having them contact Credit Karma at (800) 672-6397, selecting option 3, then 2, then 1 to reach the tax refund department directly. They were able to request an expedited card and received it within 48 hours. Alternatively, you can ask them to close the temporary account, which forces them to issue a paper check to your address on file within 14 days per their service agreement.

Does anyone know if there's a way to see the exact time of day the deposit will hit? My 846 date is April 17, 2024, but I need to know if it will be early morning or later in the day. I have exactly $342.18 in my account right now and need to make a $500 payment that's due on the 17th.

This comes up every tax season. 846 date = DDD. Simple as that. Check your bank account on that date. Most people see it early morning. Some banks post overnight. Some post midday. Depends on your bank. Not on the IRS. They send it all at once. Banks process differently.

According to Internal Revenue Manual section 21.4.1.3, the IRS is required to process returns claiming EITC and ACTC after February 15th, but there is no mandated timeline for how quickly this must occur. Last year, I filed January 18th and didn't receive my refund until March 14th despite PATH lifting on February 15th. This year seems to be following a similar pattern for many early filers with credits.

Have you tried checking ur transcripts for TC 766 credit issued? Sometimes that shows up b4 WMR updates. Also, what's ur cycle code? That can tell u which day of the week ur acct updates.

Be careful with expectations this year. I used H&R Block and my return got caught in the Refund Integrity Verification Operation (RIVO) process which added 6 weeks to my processing time. Nothing was wrong with my return - just random selection. If your WMR shows "still processing" instead of "being processed," that's often a sign of additional verification. The IRS is particularly careful with returns claiming the Earned Income Credit and Additional Child Tax Credit due to historical fraud issues.

H&R Block user here. Got my refund. Filed February 2nd. Received March 1st. Simple return though. No credits. Just W-2 income. Direct deposit helped. No state taxes in my state. Hope this helps.

I don't think it's normal to wait this long. You should definitely call them. I was in the same situation last month and found out there was an issue they needed to verify.

The "N/A" transcript status just means your return hasn't been fully processed yet. It doesn't necessarily indicate a problem. The IRS is still catching up from the pandemic backlog and their antiquated systems don't update in real-time. As long as your return was accepted, it's in their system. For reference, I filed 1/30, was accepted 2/10, and my transcript didn't update until 3/15. Refund arrived 3/18.

I've been tracking Card.com deposit patterns for several years. There's a consistent trend. Most deposits arrive between 12pm-5pm on the exact DDD. Some premium accounts may receive funds one day early. Check your account type to set proper expectations. The IRS sends funds in batches, not all at once. Your batch might be scheduled for later in the day. I wouldn't worry until after 6pm on your DDD.

I just got my deposit from Card.com about an hour ago! Had DDD of 3/15 too. Filed using standard deduction, no EITC or CTC. Transcript showed TC 846 with today's date. Amount matched exactly what WMR showed. No pending period - funds immediately available. So relieved because I was getting anxious checking my account every 15 minutes since midnight!

OMG the whole tax refund system is SO much more complicated than it needs to be! 😤 I had no idea about all these factors - PATH holds, DDD dates, ACH transfers, early deposit features... It's ridiculous that we need to become financial experts just to understand when our own money will arrive! And then add Credit Karma's somewhat misleading marketing on top of it all. No wonder everyone's confused and anxious about their refunds!

Back in 2022, I had a similar situation with Chime. Was denied their advance but still got my deposit 2 days before the official date. If you're concerned about timing, I'd recommend checking your transcript every Tuesday and Friday morning (when they typically update) once the PATH hold lifts. When you see an 846 code with a date, you'll know your official DDD. Then subtract 2-4 days for Credit Karma's early deposit feature. That's been the most reliable method in my experience.