just call irs and update ur address over the phone. way faster than mail.

Have you tried checking your refund status on the IRS website first? The "Where's My Refund" tool will tell you if there's an address issue before your check even gets mailed. If it shows your old address, you'll know for sure you need to update it. Also, some people have luck calling the refund hotline at 1-800-829-1954 - they can sometimes update your address faster than the form.

When I ran into this same issue, I just adjusted my W-4 for the current year to have extra withholding. I put an additional $150 per paycheck in the "extra withholding" line (Box 4c on the W-4). This way we're getting ahead of next year's taxes while addressing the current bill through a payment plan. Just one way to avoid the same problem next year!

I went through this exact same situation two years ago - massive overtime hours and my withholding was completely off. The $3,000 bill sounds about right for that kind of income change. Here's what I learned: filing separately almost never helps with underwithholding issues because you're still liable for the same total tax amount, just split differently. The real problem is that not enough tax was taken out during the year, regardless of how you file. I'd strongly recommend using the IRS withholding calculator on their website to figure out your correct withholding for this year. You can also make estimated quarterly payments if you think you'll be short again. For the current bill, the IRS has pretty reasonable payment plan options - I set up a monthly plan and the fees were minimal compared to what I was stressing about. The silver lining is that this is a one-time learning experience. Once you get your withholding dialed in correctly, you won't face this surprise again!

The early deposit feature might possibly depend on several factors, including your banking institution, whether you're receiving your refund via direct deposit or another method, and potentially the tax preparation service you used. Generally speaking, the DDD is when the funds are released by the IRS, but your bank may make them available sooner at their discretion.

I can share my experience from last year - I had a DDD of 2/28 and banked with Wells Fargo. The deposit showed up exactly on 2/28 at around 6 AM. This year I switched to a local credit union and I'm curious to see if there's any difference in timing. From what I've gathered reading everyone's responses, it really does come down to your specific financial institution's ACH processing policies. The IRS does their part consistently, but banks handle the final step differently. I'd suggest checking your bank's website or calling them directly to ask about their Treasury/government payment processing timeline - most customer service reps can tell you their typical posting schedule for ACH transfers.

Tip from someone who's been there: make sure you check if your CD interest is simple or compounded. My bank advertised a great rate but buried in the fine print that it was simple interest, not compound. Makes a difference in how much you actually earn and therefore how much tax you'll pay. Just something to double check!

Thanks everyone for all the helpful info! This thread has been super educational. I had no idea about the timing of when interest gets reported vs when CDs are opened. Sounds like I'm in the clear for my 2024 taxes since I just opened these in October. I'm definitely going to keep an eye out for those 1099-INT forms next January. Since I'm already dealing with 1099 contractor stuff, adding another form to track isn't too bad. At least CD interest seems more straightforward than estimated quarterly payments! One quick follow-up question - do credit unions send the 1099-INT forms at the same time as banks? My credit union is pretty small and sometimes they're slower with paperwork compared to the big banks.

just called the state tax office and they said theres a system wide delay affecting some 2/14 deposits. should be resolved by end of week

I'm in the same situation with a 2/14 state refund date! Still waiting but feeling a bit better after reading that there's a system-wide delay. Has anyone tried checking their state's "Where's My Refund" portal to see if there's any updated status info?