Try checking your tax software account instead of waiting for an email! I was feeling so anxious about not getting my acceptance notification, but when I logged into my TurboTax account, it showed my return was accepted 3 hours after filing! The email notification system sometimes lags behind the actual status. I'm so happy I checked there first instead of worrying needlessly!

I got same-day acceptance this year too! Filed on Tuesday morning around 10am and received the acceptance email by 4pm the same day. My return was pretty straightforward though - just W-2 income and standard deduction. From what I've read, the IRS processes simple returns much faster than complex ones with multiple forms and schedules. The acceptance really is just confirmation they received your return without any obvious errors, so don't stress if it takes a day or two. Good luck with your first joint return!

According to Internal Revenue Manual 21.4.1.3(7), returns with consecutive transcript updates showing normal processing codes without examination indicators are classified as "pipeline returns" that typically proceed to completion without additional review. Per the Taxpayer Advocate Service 2023 Annual Report to Congress (p.84-85), only 8.2% of returns are selected for additional verification after passing initial processing stages. Are you claiming any credits that might trigger additional scrutiny under IRC §32(k) or §24(g)? That could potentially affect your timeline.

I'm in a very similar situation - cycle 05 with multiple clean transcript updates and waiting for my 846 code. Based on everything I've researched and the experiences shared here, it sounds like we're both in the final stretch of normal processing. The statistical data that others have shared (96%+ success rate for returns with clean updates) is really encouraging. One thing that's helped me stay calm during the waiting period is remembering that the IRS systems are designed to flag issues early in the process, not at the very end. If there were problems with income matching, credits claimed, or other verification issues, they typically would have appeared by now with a hold code. At this point in April, the system is running much more smoothly than it was during the early filing season when PATH Act holds and increased verification were causing delays. Your pattern of clean updates really does suggest you're just waiting for that final 846 code to appear with Friday's update. Fingers crossed we both see good news this Friday! The waiting is definitely the hardest part, especially when you're depending on those funds.

Another option is to file IRS Form 8822 (Change of Address) ASAP. This updates your address with the IRS, though it may not directly affect where your employer sends your W-2. A lot of smaller companies use the USPS National Change of Address database when sending out tax forms. If you filed a change of address with the post office when you moved, there's a good chance your W-2 will get forwarded to your new address automatically.

Whatever you do, don't miss the filing deadline because of this! If you can't get your W-2 in time, file for an extension using Form 4868. This gives you until October to file your actual return while you sort out getting the correct W-2 information. Just remember that an extension to file is NOT an extension to pay, so you'll need to estimate what you owe (if anything) and pay that by the regular April deadline to avoid penalties and interest.

Don't forget to check if you'll owe a penalty for underpayment of estimated tax. The IRS and most states charge penalties if you didn't pay enough throughout the year. There's a safe harbor if you paid at least 90% of current year tax or 100% of last year's tax (110% if high income).

I went through something very similar when I relocated from Florida to New Jersey a few years ago. The Tennessee to Massachusetts move explains almost everything - you went from zero state income tax to a 5% flat rate, which on your $138k income is about $6,900. That matches your bill perfectly. The tricky part with mid-year moves is that your employer's payroll system often doesn't automatically switch state withholding rates. Many companies require you to actively submit new state tax forms when you relocate. I learned this the hard way and ended up owing about $4,500 my first year in NJ. For immediate relief, definitely look into the underpayment penalty waiver that others mentioned - Form 2210 with reasonable cause explanation about the move. Most states are understanding about relocation situations if you can show it was due to employer withholding errors rather than negligence on your part. Going forward, make sure HR updates both your federal W-4 (since Massachusetts is higher cost of living, you might want to adjust allowances) and submit a Massachusetts M-4. Consider having extra withheld for a few months to catch up on any shortfall that's already accumulated this year.

I would be... cautious... about expecting it early. Last year I was in a similar situation and kept checking my account every hour. The stress wasn't worth it. In my experience, SBTPG rarely releases funds before the official DDD, even when they show as funded. If you need the money for something specific this weekend, I would suggest making alternative arrangements just to be safe. The banking system has specific processing windows, and weekend deposits especially can be unpredictable.

I've been through this exact scenario! When SBTPG shows "funded" without a trace number, you're basically in limbo until they generate that trace. From my experience, Credit Karma usually processes deposits pretty quickly once they receive them, but SBTPG is the bottleneck here. I'd say there's a small chance you might see it Saturday morning if they process it late Friday, but realistically plan for your DDD of 2/24. The trace number is key - once that appears, you'll usually see the deposit within a few hours. Keep checking SBTPG every few hours today and you should see that trace number pop up!