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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 going through the exact same thing! Just filed with Liberty Tax for the first time this year and I'm having the same Republic Bank portal issues. It's so frustrating when you're used to other services that actually work properly. I've been trying different amount combinations too with no luck. From what I'm reading in this thread, it sounds like this is unfortunately pretty common with Liberty Tax's system. I'm thinking of just checking my IRS transcript directly instead of relying on their broken portal. At least that way we can see what's actually happening with our refunds without depending on Republic Bank's terrible interface!
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?
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I went through this exact same situation about 6 months ago and it was absolutely maddening! What finally worked for me was actually calling the IRS Practitioner Priority Service line (855-562-5227) early in the morning around 7 AM. Even though it's technically for tax professionals, they were able to help me reset my account access. The key was being super persistent and explaining that I couldn't file my taxes because of the account lockout. They transferred me to someone who could manually verify my identity over the phone using information from my previous tax returns. It took about 45 minutes total, but I was back in my account the same day. Worth trying before you go through the whole ID.me verification process again!
Wow, that's amazing that you got through! I've been trying the regular IRS number for weeks with no luck. Quick question - when you called the Practitioner Priority line, did they ask you to prove you were a tax professional or did they just help you directly? I'm worried they might turn me away since I'm not actually a practitioner. Also, do you remember what specific information from your tax returns they used to verify your identity? Want to make sure I have everything ready before I try calling. Thanks so much for this tip!
I'm going through the exact same nightmare right now! Been locked out for 2 weeks and it's so frustrating. The ID.me system is such a pain - I've submitted my documents three times and keep getting generic email responses that don't actually solve anything. Has anyone had luck with the IRS Taxpayer Advocate Service that someone mentioned earlier? I'm getting desperate at this point and wondering if I should just try calling them directly instead of dealing with ID.me. This whole system feels broken! š¤
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The whole system is broken tbh. They take our money instantly but take forever to give refunds back smh
Emma Davis
ā¢Facts š¤ they quick to collect but slow to pay
I'm in a similar situation - filed my MD return on 2/3 and still waiting. The processing times have definitely gotten longer this year. I've been checking the Maryland Taxpayer Service Division website and they updated their expected processing time to 6-8 weeks for most returns. Hang in there, it's frustrating but seems like we're all in the same boat with the delays.
Thanks for sharing the updated timeline info! 6-8 weeks is so much longer than it used to be. Do you know if there's any specific reason why MD processing has gotten slower this year? Just trying to understand if this is the new normal or if they're dealing with some temporary backlog.
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mine took exactly 23 days to show up. the wait is brutal fr fr
23 days?! im gonna lose my mind š
Melody Miles
ā¢@Jasmine Hancock I feel you! I m'going through the same thing right now. One thing that helped my stress was setting up email alerts through the Ohio tax portal so I get notified immediately when there s'any update. At least then you re'not constantly checking manually. Hang in there! šŖ
Gabriel Graham
Kennedy, I went through this exact same confusion when I became a stay-at-home dad! Your husband's thinking makes logical sense (no income = dependent, right?) but tax law doesn't work that way. As everyone has confirmed, spouses are explicitly excluded from being claimed as dependents regardless of income. I actually ran the numbers both ways when we were in your situation, and filing jointly saved us about $4,800 compared to filing separately. The big wins were the doubled standard deduction and keeping full eligibility for the Child Tax Credit. When you file separately with kids, you can run into income phase-out issues even on a single income. One practical tip - if your husband is still skeptical about the numbers, most tax software will let you prepare your return both ways and compare the results before you actually file. TurboTax, FreeTaxUSA, and others have comparison features. Seeing the actual dollar difference usually settles the debate pretty quickly! Also don't stress too much about not knowing tax rules - this stuff is complicated and counterintuitive sometimes. The important thing is you're asking the right questions now rather than finding out after you file.
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Nia Jackson
ā¢Gabriel, that's such a great point about using tax software to compare both ways! I hadn't thought of that approach, but it would definitely help convince my husband with actual numbers rather than just telling him "everyone on Reddit says so." The $4,800 difference in your situation really shows how much this decision matters. I'm curious - when you filed separately, was it mainly the loss of the standard deduction that hurt, or were there other credits and benefits you lost too? It sounds like there are multiple ways filing separately can cost you when you have kids.
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CyberSiren
ā¢@Gabriel Graham That s'a really smart suggestion about using tax software to compare! In our case, it was definitely a combination of factors that made filing separately so costly. The big hit was losing half our standard deduction $14,600 (each instead of $29,200 together ,)but we also lost some of the Child Tax Credit because of how the income limits work when filing separately. Plus we couldn t'take advantage of some other credits that are only available to joint filers. The software comparison really breaks it all down line by line so you can see exactly where the differences come from. It s'eye-opening how all those smaller losses add up to such a big difference!
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Dylan Mitchell
Kennedy, I'm a tax preparer and see this confusion all the time with new parents! Your husband definitely cannot claim you as a dependent - spouses are explicitly excluded from dependent status regardless of income level. Filing jointly is almost certainly your best option here. With one income and a new baby, you'll benefit from the higher standard deduction ($29,200 vs $14,600 each if filing separately) and full access to child-related credits. The Child Tax Credit alone can be worth up to $2,000, and married filing separately often reduces or eliminates eligibility for many family credits. The only time I usually recommend married filing separately is for very specific situations like income-based student loan payments or when one spouse has overwhelming medical expenses. For typical one-income families with children, joint filing typically saves $2,000-$5,000+ compared to separate filing. Your instinct about joint filing being better for married couples with kids is absolutely correct. I'd suggest running your taxes both ways using tax software to show your husband the actual dollar difference - seeing those numbers usually settles the debate quickly!
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