I completely understand your concern about the timeline, especially with medical expenses waiting! From my experience and what I've observed in this community, the SBTPG to bank transfer process typically follows this pattern: **Normal Timeline:** - 24-48 hours for most major banks (Chase, Wells Fargo, BofA) - 48-72 hours for credit unions and smaller regional banks - Digital banks like Chime sometimes post earlier, traditional banks sometimes later **Key factors affecting timing:** - SBTPG processes ACH transfers daily with a 3pm ET cutoff - If your "funded" status appeared after 3pm, processing starts the next business day - Weekends and holidays don't count - Friday funding often means Tuesday deposit - First-time refunds to an account may have additional verification holds **When to be concerned:** - More than 3 business days without deposit - No pending transactions showing in your bank account - Any recent changes to your banking information Since you mentioned monitoring this for medical expenses, I'd recommend calling your bank after 72 hours to check for pending deposits or holds. They can often provide more specific timing once the transfer is in their system. The medical urgency is completely understandable - these delays are frustrating when you have real expenses waiting! Hope your funds arrive soon! Keep us updated on how it resolves.

Your circulatory system analogy is spot-on! As someone who's been through this process multiple times, I can share that the SBTPG timeline varies significantly based on several factors. From my tracking over the past few years: - **Major banks** (Chase, Wells Fargo, BofA): Usually 24-48 hours - **Credit unions**: Often 48-72 hours due to batch processing - **Online banks** (Ally, Capital One 360): Sometimes faster, sometimes slower - **Regional banks**: Generally 48-72 hours The key thing to remember is that "funded" means SBTPG has initiated the ACH transfer, but your bank still needs to process and post it. Think of it like mail being sent vs. delivered. Given that you need these funds for medical expenses, here's what I'd do: 1. **Wait 72 business hours** before worrying 2. **Check for pending deposits** in your online banking 3. **Call your bank** after 72 hours to ask about ACH holds 4. **Verify account info** matches exactly what SBTPG has on file Most people see their deposits within 2 business days. Since you mentioned monitoring closely, consider setting up mobile deposit alerts so you're notified immediately when it hits. The waiting is always nerve-wracking when you have expenses pending, but the funds should appear soon!

I work in tax prep and see this confusion all the time! What you're experiencing is totally normal. When TaxAct says "approved," it just means your return passed the initial electronic filing checks and was successfully transmitted to the IRS - think of it like your package being accepted at the post office, but not yet delivered. The IRS verification letter is probably the result of someone (employer, lender, benefits office) requesting proof of your tax filing status. These requests generate automatic responses based on what's currently in their processed records system, not what's sitting in their incoming queue. Since you filed on Feb 12th and the verification was requested on Feb 16th, your return likely hadn't made it through their full processing pipeline yet. Processing typically takes 7-21 days during peak season, and we're right in the thick of it. Your Oklahoma refund coming through is actually a great sign - it means the federal data transmitted correctly and your return info is valid. State and federal systems process independently, but states often use federal AGI data for verification. Call that 800 number to confirm your return is "in process" - they should be able to see it in their system even if it's not fully processed yet.

This is actually a really common scenario during tax season! The key thing to understand is that there's a big difference between your return being "accepted" (what TaxAct showed) and "processed" (what the IRS verification letter is checking for). When TaxAct said your return was approved, that just means it passed their electronic filing validation and was successfully transmitted to the IRS. But the IRS then has to actually process it, which can take 1-3 weeks during peak season. The verification of non-filing letter was likely requested by a third party - maybe for a loan application, benefits verification, or employment background check? These letters are automatically generated based on what's currently in the IRS's processed records system, not what's sitting in their processing queue. Since you filed on Feb 12th and the verification request was made on Feb 16th, there just wasn't enough time for your return to fully process yet. Your Oklahoma state refund coming through is actually a good sign - it confirms your federal return data was transmitted correctly. I'd definitely call that 800-829-1040 number to get clarification. They should be able to tell you that your return is "in process" even if it's not showing as fully processed yet. Don't panic - this timing issue happens to tons of people during filing season!

I've been dealing with a similar situation with our farm S-Corp and wanted to share what I learned from my research and conversations with tax professionals. The consensus here is absolutely correct - Form 943 is the right choice for your farm S-Corp when you and your brother are performing agricultural work as shareholders. The IRS looks at the nature of the work being performed rather than the corporate structure. One additional consideration I haven't seen mentioned yet: if you're making the S-Corp election for the first time this year, make sure you've properly handled the reasonable compensation requirement for S-Corp shareholders. You'll need to pay yourselves reasonable wages for the agricultural work you perform, and those wages are what get reported on Form 943. Also, since you mentioned handling "everything from tractor maintenance to bookkeeping," be aware that if a significant portion of your time is spent on administrative/bookkeeping work rather than direct agricultural activities, you might need to consider whether all your wages qualify as agricultural wages. Most farm operations have some administrative component, but as long as the primary work is agricultural (which it sounds like it is for you), Form 943 should still be appropriate. The annual reporting is definitely more convenient than quarterly 941s, just make sure you stay current with your deposit obligations throughout the year!

I'm in a very similar situation with our family farm S-Corp and this thread has been incredibly helpful! We converted to S-Corp status last year but I've been stressing about the employment tax forms ever since. Based on all the detailed responses here, it sounds like Form 943 is definitely the way to go since we're doing agricultural work as shareholders. The fact that it's annual instead of quarterly is a huge relief - I was dreading having to deal with Form 941 every three months on top of everything else we have to manage on the farm. One question I have after reading through all these responses: when you switch to Form 943, do you need to notify the IRS in advance that you'll be filing as an agricultural employer, or do you just start using the correct form? I want to make sure I don't miss any required notifications or setup steps. Also, has anyone had experience with state employment taxes for farm S-Corps? I'm assuming the state requirements might be different from the federal forms, but I haven't researched that aspect yet. Thanks to everyone who shared their experiences - this is exactly the kind of real-world guidance that's so hard to find elsewhere!

That "verification of non-filing" notice is actually pretty common when there's a processing delay or system glitch. It doesn't necessarily mean your return is lost - sometimes it just means it hasn't been fully processed into their system yet. The January 2022 date suggests this might be related to the massive backlog they had that year. I'd definitely try calling that number even though it's a pain, or you could try the online "Get My Payment" tool to see if there's any update on your refund status. Don't panic yet - this happens more often than you'd think!

Just went through something similar last year! That "verification of non-filing" notice usually pops up when someone (could be a lender, employer, or even you accidentally) requests verification that you DIDN'T file taxes for that year. But if you actually DID file, it just means there's a mismatch in their system. This happened to me when my mortgage company requested verification but used the wrong form. Your return is probably just stuck in processing limbo - super common during 2021-2022 with all the backlogs. I'd definitely call that number or try the "Where's My Refund" tool online first before worrying too much!

I'm experiencing this exact situation right now! Filed on February 2nd and Topic 152 just disappeared from my WMR yesterday morning. As a newcomer to this community, I was honestly panicking when I saw it vanish with no explanation, but reading through all these responses has been incredibly reassuring. I'm also a gig worker (mainly Grubhub and some Uber) and have been counting on my refund to cover some essential car maintenance - my transmission has been acting up and I can't put off the repair much longer. The stress of waiting when you depend on your vehicle for income is real! Based on everyone's experiences shared here, it sounds like Topic 152 disappearing is actually a positive sign that our returns are moving through final processing. The consistent timeline of 3-8 days that people are reporting gives me hope that I should see movement soon. I'm definitely going to follow the advice about focusing on transcript updates rather than obsessing over WMR - sounds like the 846 code is what I should really be watching for. Thanks to everyone who shared their experiences, especially the fellow gig workers who understand the unique stress of this situation. It's such a relief to know this is normal and typically leads to good news!

I'm also new to this community and going through the exact same experience! Topic 152 disappeared from my WMR about 36 hours ago and I was really worried until I found this thread. As another gig worker (I do DoorDash and Postmates), I completely understand the anxiety of waiting for that refund when you have vehicle expenses hanging over your head. Reading through everyone's experiences here has been such a huge relief - it's clear that Topic 152 disappearing is actually a positive development rather than something to panic about. The consistent pattern everyone describes of getting their DDD within 3-8 days after the code disappears gives me real hope that we're all in the final stretch. I filed on January 28th and had Topic 152 showing for almost a month, so the timeline sounds very similar to yours. My transcript is still showing N/A but based on what others are saying, that's completely normal at this stage. I'm definitely going to follow the advice here about checking my transcript daily for that 846 code instead of obsessively refreshing WMR. It's so helpful to connect with other gig workers who understand the unique stress of this situation - when your car IS your income, waiting for that refund to cover repairs feels extra urgent. Thanks for posting this question and to everyone who shared their experiences! Fingers crossed we all see positive updates very soon.