When I went through this last month i was freaking out cuz I initially failed the identity verification (they asked about a mortgage refinance amount from 2018 and I guessed wrong). Had to call back and verify a different way. If you don't have all your financial info handy, just politely ask the agent if there's another way to verify. They can usually ask different questions.

I just went through this exact same process two weeks ago! The CP63 verification call was honestly not as scary as I thought it would be. Here's what helped me prepare: I had my last 3 years of tax returns printed out, my Social Security card, driver's license, and any loan/mortgage documents I could find. The agent asked me about my previous addresses, my employer from 2 years ago, and the exact amount of a car loan I had in 2020. The whole call took about 25 minutes including hold time. Once I was verified, they told me my refund would be released in 6-9 weeks, but I actually got it deposited 12 days later. My biggest tip: call right at 10am sharp. I called at 10:02am and only waited about 15 minutes to get through. Also, don't stress too much about getting every answer perfect - they seemed pretty reasonable when I was close on amounts but not exact. Good luck with your call tomorrow!

Have you checked your IRS transcript to see if there are any issues or holds? Sometimes there's a problem that needs to be resolved before they'll release the funds, even if you have a DDD. You can access your transcript online at irs.gov if you have an account.

I had the exact same issue with Cash App last year - DDD of 4/12 but didn't see the money until 4/17. It's super frustrating when you're expecting it and it doesn't show up! Since you already confirmed your 846 code with the 4/15 date on your transcript, the IRS has definitely sent the money. Cash App just processes government deposits slower than traditional banks. I'd give it until Monday (that'll be 4 full business days) before panicking. If it's still not there by then, definitely call both Cash App and the IRS. But based on my experience and what others are saying here, you should see it in the next day or two. Hang in there!

if ur worried abt understanding ur transcript check out taxr.ai - its basically an AI that translates all the IRS mumbo jumbo into normal person speak. best dollar i ever spent on anything tax related tbh

Same thing happened to me last year! Don't stress about 766 and 768 not adding up to your total refund - there's usually other stuff like withholdings, estimated payments, or other credits that factor in. The key is to look for code 846 which shows your actual refund amount and date. If you see that, you're golden! 👍

mine looked exactly like this last week and I just got my DDD today! hang in there

I see you're missing code 768 for the Earned Income Credit, which is totally normal at this stage! The IRS processes EIC claims separately and they often appear later in the cycle. Your transcript shows you're in cycle 20250605, so you should see updates every Thursday night/Friday morning. Based on your numbers, you're looking at a substantial refund - but the exact amount will depend on when your EIC gets processed and shows up as code 768. The cycle date (20250605) tells you when your return will be worked on, while the processing date (Feb 24) is when it was initially received. Keep checking your transcript weekly - you should see code 846 (refund issued) and hopefully 768 (EIC) appear together soon. The 21-day processing window for returns with credits means you're still well within normal timeframes!

called the IRS about this exact thing. they said as long as you see both codes its usually a good sign that your refund is being processed correctly

I had the same confusion last year! Code 766 is your refundable credit (like child tax credit, earned income credit, etc.) and 768 is usually additional child tax credit. But your actual refund amount also factors in your withholdings (code 806), estimated tax payments, and your total tax liability. So those two codes alone won't equal your refund - you need to look at the whole picture on your transcript. As long as you see those codes with dates, you're probably good to go!