Just want to add that I've noticed Chime deposits tend to come in waves throughout the day. Last year there was a big morning batch around 10am EST, then another wave around 2pm, and final deposits around 4-5pm. So if you haven't received it yet, don't lose hope until late afternoon. Also, make sure your Chime notifications are turned on so you don't miss it!

Just wanted to share my experience - I have a 3/24 DDD with Chime and got my deposit this morning at 11:47am! So there's definitely hope for those still waiting. I was checking obsessively yesterday but nothing came through until today. For anyone still waiting, it seems like they're processing in batches throughout the day like others mentioned. Good luck everyone! 🙏

Hey! I just went through this exact same thing last month. Filed on a Tuesday, got accepted Wednesday morning, and didn't see the advance until Friday evening. The 1-3 business day window is pretty accurate but it can feel like forever when you're watching for it! One thing that helped me was checking both the Credit Karma app AND logging into their website - sometimes one updates before the other. Also make sure you didn't accidentally set up the advance to go to a different account. Hang in there, it should show up soon! 🤞

I'm going through the exact same thing! Filed my return through TurboTax yesterday evening, got the acceptance email this morning around 9am, but still no advance showing up in my Credit Karma account. It's so stressful when you're counting on that money! I've been refreshing the app every hour like it's gonna magically appear 😅 Reading everyone's responses is really reassuring though - sounds like 24-72 hours is totally normal. Fingers crossed we both see our advances by tomorrow!

Hey there! I'm dealing with something similar right now - got my CP2000 notice about three weeks ago for my 2022 return. What I've learned from calling the IRS (after waiting forever on hold) is that the key timing factor is whether you respond before the deadline. In my case, they told me that as long as I respond by the date on the notice with proper documentation, my 2023 refund should process normally. The agent explained that CP2000 notices are handled by a different department than current year refunds, so they don't automatically freeze everything. However, she did warn me that if I miss the deadline or if there are any complications with my response, that's when they might put a hold on future refunds. So definitely don't wait until the last minute like I almost did! One thing that helped me was organizing all my 2022 tax documents first before calling, so I could reference specific forms and amounts while talking to them. Made the conversation much more productive than my first call where I was just panicking. Good luck with your response - sounds like you're being proactive about it which is exactly what you should be doing!

Hey @GalaxyGlider! I totally understand the stress - getting any notice from the IRS is never fun, especially when you're just starting out with "adulting" and taxes. From what I've learned through my own experiences and from reading various forums, the good news is that CP2000 notices are proposals, not final assessments. Since your online account doesn't show a balance due yet, there's a good chance your 2023 refund will process normally while you're sorting this out. The most important thing is to respond before that April 10th deadline with solid documentation. Don't wait until the last minute - give yourself at least a week buffer in case you need to gather additional paperwork or if there are any mailing delays. A few practical tips: - Make copies of everything before you send it in - Consider using certified mail like others mentioned - it's worth the extra cost for peace of mind - Keep detailed notes of any phone calls you make to the IRS, including agent names and reference numbers You mentioned you're pretty confident they're wrong - trust your gut but be thorough with your documentation. The IRS makes mistakes too, and many CP2000 notices get resolved in the taxpayer's favor when proper records are provided. Since you just graduated, you might also want to check if your school's accounting department or career services has any resources for recent grads dealing with tax issues. Some schools offer alumni support for exactly these kinds of situations. You've got this! Stay organized and respond promptly, and you should be fine.

I'm dealing with the exact same Republic Bank login nightmare right now! Filed with Liberty Tax for the first time this year and regretting it. Their portal is absolutely terrible compared to what I'm used to with other services. I've tried every combination of amounts - full refund, refund minus fees, just federal, just state - nothing works. What's really frustrating is that I can see my state refund already hit my account, so I know the IRS processed everything, but I have no idea what's happening with the federal portion. Has anyone had success reaching an actual human at Liberty Tax who could explain their specific Republic Bank login requirements? I'm about ready to just wait it out and hope the money shows up, but not knowing is driving me crazy!

I'm dealing with this exact issue too! Filed with Liberty Tax this year and can't access the Republic Bank portal at all. What's really frustrating is that their customer service seems completely overwhelmed right now. I've been on hold for literally hours multiple times with no luck getting through. From what I'm seeing in this thread, it sounds like this is unfortunately a common problem with Liberty's system integration with Republic Bank. I'm starting to think the best approach might be to just check my IRS transcript directly through the IRS website instead of relying on their broken portal. At least that way I can see the actual status of my refund processing without depending on Republic Bank's terrible interface. Has anyone had better luck reaching Liberty Tax through their local office instead of the main customer service line?

I'm in a similar situation as a commissioned sales rep and want to share what I learned after going through this exact same confusion last year. The federal deduction elimination really stings, but there are still some legitimate strategies to explore. First, definitely look into state deductions if you're in a state that didn't conform to the federal changes. Second, consider having a conversation with your sales manager about expense reimbursement - many dealerships are willing to reimburse legitimate business expenses if you can make a case for it, especially if you're a solid performer. Also, make sure you're tracking everything meticulously even if you can't deduct it federally right now. The suspension of employee business expense deductions is scheduled to expire in 2026, so having good records could pay off when that deduction potentially returns. One thing I wish I'd known earlier: some training expenses might qualify for education credits instead of business deductions, which could still provide tax benefits even as a W2 employee. Worth looking into with a tax professional who understands sales compensation.

As a fellow commissioned salesperson, I feel your pain on this issue. I went through the same frustration when I realized how much the 2018 tax changes affected people like us. One thing that really helped me was creating a detailed expense tracking system right away, even though I can't deduct most of it federally. I use a simple spreadsheet that categorizes everything - phone bills, client meals, training, car expenses, etc. This serves two purposes: it helps me see where my money is actually going (which was eye-opening), and it keeps me prepared for when the federal deduction potentially returns in 2026. For the immediate term, definitely explore your state options if you haven't already. Also, don't overlook the education credit angle that others mentioned - I was able to claim credits for some professional development courses that didn't qualify as business deductions. The employer reimbursement route is probably your best bet for getting money back now rather than waiting for potential tax benefits later. Most successful salespeople I know have been able to get at least partial reimbursement for things like client entertainment and industry training once they showed how it directly impacts their numbers. Keep detailed records of everything, and hang in there - this tax situation for commissioned employees really needs to change, but there are still some legitimate strategies to explore in the meantime.