I filed through Jackson Hewitt on February 12th and JUST got my refund yesterday! It was a nightmare - they didn't tell me there was an issue with how they submitted my education credits until I called them 3 times. Has anyone else had problems with education credits through JH this year? The rep finally admitted they had a system glitch with Form 8863 for some customers.

Jackson Hewitt is having delays this year. I work at a bank and we're seeing a pattern with tax prep services. Most DIY filers (TurboTax, FreeTaxUSA) are getting processed in 2-3 weeks. Professional preparation services like JH and H&R Block are taking 3-5 weeks right now. IRS is prioritizing simple returns first. If you're newly married with any credits or deductions, that puts you in a more complex category.

OMG I'm feeling this so hard right now! 😩 Everyone I know with Chime is having weird timing issues this tax season! My sister got her refund 2 days BEFORE the IRS website showed it was sent (like how???) but my coworker is in the same boat as you - TurboTax says issued but nothing in account for 3 days now. I think the whole system is just overwhelmed with all the Child Tax Credit claims. Hang in there! 💕

Here's exactly what's happening: Step 1: TurboTax marks your return as "refunded" based on their ESTIMATED timeline, not actual IRS data Step 2: The IRS is still processing your return, likely in the verification stage for the Child Tax Credit Step 3: Without an actual 846 code on your transcript, no money has been sent Step 4: Chime releases funds immediately upon receipt, so the fact you don't have it means the IRS hasn't released it Step 5: Check your transcript daily - once you see code 846, you'll have money within 24-48 hours I went through this exact scenario in February. TurboTax said refunded on a Tuesday, actual money hit my Chime account Friday morning.

The IRS transcript system is notoriously unintuitive. The Transaction Code 846 (Refund Issued) is what you're looking for, but there's a critical detail many people miss: the cycle date. The last two digits of your cycle code (found next to your tax period) indicate which day of the week your account updates. For example, if your cycle code ends in 05, your transcript updates on Thursdays. This is why some people see their deposit date change or why WMR updates at different times for different filers. The IRS batches processing by these cycle codes.

I was in your exact situation last month. Found my DD date on the Account Transcript under code 846, but it wasn't there initially. My transcript first showed codes 570 and 971, then updated a week later with the 846 code. Have you checked if you have any 570/971 codes on your transcript? Those usually indicate there's some verification happening before they set your deposit date.

Are you seeing any pending transactions in your Chime account? Have you checked your transcript for any TC 846 code with the 3/26 date? Did you file with any credits that might delay processing? Sometimes what appears as a delay is actually normal processing time for certain tax situations.

I'm probably the most impatient person when it comes to waiting for my refund, but I've learned my lesson about Chime's early deposits. Last year I had a 3/15 DD date and was refreshing my Chime app every 10 minutes starting on 3/13. It finally hit at 4:37pm on 3/14. This year, same situation with a 3/12 date, and it came through at 2:18pm on 3/11. I've started setting a calendar reminder for 48 hours before my DD date so I don't drive myself crazy checking constantly before then.

Mine just hit my American 1 account about 20 minutes ago! I was in the exact same boat as you - DDD for today, had the trace number and everything. Last year it came through at 9:30am but today it didn't post until 1:45pm. I've been using them for 3 years now and noticed they're consistently inconsistent with timing lol. But they've never missed the actual date shown on my transcript. Check your account again - bet it's there now or will be by end of day!

Be careful about assuming the deposit will arrive today just because that's your DDD. Several factors can cause delays even after the IRS releases funds: • Bank processing delays (especially if it's a high-volume day) • Account verification holds (some banks place 24hr holds on government deposits) • Partial offsets that weren't reflected on your transcript • Incorrect account information requiring manual verification I've seen people get burned counting on tax refund money being available same-day. Always have a backup plan if you need those funds immediately.

You need to get in touch with your state's child support enforcement agency immediately. The IRS is just following their directive. Your husband should have received a pre-offset notice warning this might happen. If your custody situation changed, the state agency needs to update their records and notify the federal Office of Child Support Enforcement. Don't wait for this to resolve itself - it won't. The system assumes the debt is valid until proven otherwise. Get documentation of your custody arrangement and be prepared to file a formal dispute.

I work with tax cases regularly, and this appears to be a Bureau of Fiscal Service TOP (Treasury Offset Program) intercept based on outdated OCSE (Office of Child Support Enforcement) data. The 846 code with a subsequent offset notification indicates the refund was approved but then intercepted during the disbursement phase. I understand how frustrating this is when you have custody. The system is designed to catch legitimate child support debts but doesn't automatically update when custody changes. Your husband's CS obligation should have been terminated or modified when custody changed, but that requires a specific court action and system update. I'd recommend calling both your state's child support enforcement agency and the TOP hotline (800-304-3107) to identify exactly which agency placed the hold and the process for contesting it.

Try calling your state tax department early in the morning - like right when they open. I was in the same boat (federal refund in hand, state stuck in purgatory) and finally got through at 8:02am after trying during normal hours for days. Turns out they just needed to verify my identity because I moved last year. Took 5 minutes to fix once I actually talked to someone. The early bird gets the... tax refund? 😏

I had my state return under review for nearly 7 weeks last year while my federal came through in 2 weeks. It's much more common than it used to be. In my case, they were verifying my education credits because the state and federal rules differ slightly. My brother-in-law had a similar delay but his was just random selection for review. Unlike the IRS which has standardized most processes, state tax departments vary dramatically in their efficiency and review triggers. Your delay is likely nothing to worry about compared to what I've seen others experience.

When dealing with delayed deposits to Netspend, here's what you need to do: 1. First, verify your DDD on the WMR tool or your transcript 2. If it's been more than 5 business days past your DDD, you need to contact the IRS directly 3. Call the IRS refund hotline at 800-829-1040 4. Unfortunately, you'll likely face extremely long wait times This is where Claimyr comes in (https://youtu.be/_kiP6q8DX5c). They'll connect you with an IRS agent in minutes instead of hours. I've used them twice when my refunds had issues, and they saved me from endless redial attempts. The agent can verify if the deposit was actually sent and if there are any issues with your Netspend routing information.

Word of warning from someone who's been there: Netspend held my tax refund for "verification" last year for 3 DAYS after my DDD! 😤 Called customer service daily and got different answers each time. Meanwhile I had bills due and was sweating bullets! They don't tell you about these potential holds when you sign up for the card. Might want to switch to a different prepaid card next year... unless you enjoy playing the "where's my money" game! 🙃

I went through this exact headache last month. Here's what I had to do: 1. First, I kept checking my transcript daily 2. Noticed my refund amount changed slightly (bad sign) 3. Finally my transcript updated with new codes Turns out the IRS made a small adjustment to my refund which triggered a review. I used taxr.ai to analyze my transcript and it pointed out exactly which codes meant there was an adjustment. Saved me from having to decode all that IRS jargon myself. The site showed me that my refund was actually being held, not just delayed in transit.

Based on my experience working with tax clients, what you're experiencing is likely an ACH processing delay. The Treasury Financial Management Service (FMS) initiates the ACH transaction, but it must pass through the Federal Reserve's processing system before reaching your financial institution. This typically takes 24-48 hours after your DDD, but can extend to 5 business days during peak tax season without indicating any problem. If your bank isn't showing a pending deposit by day 5 post-DDD, that's when you should request a payment trace through the IRS.

What's SBTPG? Is that something everyone has? I filed through TurboTax. Do I need to check this too? My DDD is tomorrow.

I've been monitoring the SBTPG processing patterns rather carefully this season, and I've noticed that for DDDs falling on Fridays (like 3/17), there tends to be a slightly longer processing time. In approximately 63% of cases I've tracked, Friday DDDs don't fully process through SBTPG until the following Monday or Tuesday. This appears to be related to their weekend batch processing schedule, which operates on reduced capacity. I would suggest checking again on Monday morning, as that's when their main processing cycle typically completes for weekend transactions.