Congrats on getting through to an agent! That's half the battle right there. From my experience, once they actually remove the freeze code, you're usually looking at 1-3 weeks for the refund to hit your account. The timing really depends on which freeze code you had and how backed up their processing is. I'd suggest checking your transcript every Friday morning to see if the 846 code (refund release) shows up. That's when you'll know it's officially on its way. Hang in there - you're almost at the finish line after waiting since February!

Dylan, that's great news that you finally got through! Based on what I've seen in this community, you're typically looking at 1-2 weeks once the freeze is actually removed. The key thing is to keep an eye on your transcript for that 846 refund code - that's when you know it's officially processed and on the way to your account. Since you've been waiting since February, I totally get how anxious you must be feeling! If you want a more precise timeline for your specific situation, I'd recommend checking out taxr.ai - it's been mentioned a few times here and seems to give people really detailed breakdowns of their refund status. Fingers crossed you see some movement soon! 🤞

Another option worth considering is setting up an EFTPS account (Electronic Federal Tax Payment System). There's no fee for using it, and you can schedule payments in advance. I use it for all my quarterly estimated payments - you just need to set it up ahead of time as the enrollment process takes a couple weeks.

Just a heads up that the rules are different for personal tax payments vs. business tax payments. A lot of people wrongly think that ANY fee paid to pay taxes is deductible, but thats not true! The credit card convenience fees are only deductible on Schedule C because their for BUSINESS tax payments. If you pay your regular income tax with a credit card, that fee is NOT deductible for personal taxes due to the Tax Cuts and Jobs Act.

Does your 806 code have a specific cycle date associated with it? The cycle date can sometimes indicate when your return is being processed in the IRS weekly cycles, which might give you insight into your refund timing.

I had the exact same concern when I first saw code 806 on my transcript! As others have mentioned, it's simply your withholding credits - nothing to worry about at all. Since you mentioned you've been preparing your own returns since retiring in 2018, you might find it helpful to know that code 806 has likely been on all your previous transcripts too, but it's easy to overlook if you're not specifically looking for it. The amount should match your total federal withholding from all your income sources (W-2s, 1099s with backup withholding, estimated payments, etc.). Your 17-day wait is still well within the normal 21-day processing window, so you should see movement soon!

Last year I was in exactly this situation with Credit Karma. Had an 846 code for March 22nd, but nothing showed up until March 24th. What was weird is that when it finally appeared, the transaction was backdated to the 22nd even though I'd been checking multiple times a day and it definitely wasn't there before! So don't be surprised if when yours does show up, it looks like it's been there since the 26th. Credit Karma has some quirky ways of displaying deposits sometimes.

I'm experiencing the exact same thing! Got my 846 code with a March 26 date through TurboTax and Credit Karma, but still nothing in my account as of this morning. This is my first year using Credit Karma for tax refunds so I wasn't sure if this was normal or not. Reading through everyone's experiences here is really helpful - sounds like the 1-2 business day delay after the IRS release date is pretty typical for online banks. I'm going to give it until Friday before I start worrying. Thanks for posting this question, it's reassuring to know I'm not the only one in this situation!

filed on 03/29, accepted 03/30, DDD of 04/12 on my transcript, and it hit my CashApp on 04/10 - so 2 days early.

CashApp user here! Got mine 3 days early this year. Filed on 4/8, accepted same day, transcript showed DDD of 4/25, but money hit my CashApp on 4/22. My sister used Wells Fargo and got hers exactly on the IRS date - no early release. From what I've noticed over the years, it really depends on when during the week your DDD falls and how quickly the IRS processes that particular batch. If your bills are tight, CashApp is definitely worth trying, but I wouldn't count on more than 1-3 days early max.