Pro tip: Check if your local Taxpayer Advocate Service office is open. They can sometimes help if you're experiencing financial hardship due to the delay.

Code 570 is definitely frustrating - I'm going through the same thing right now. From what I've learned, it just means your return is under review and they've temporarily frozen any refund processing. The good news is that it doesn't necessarily mean there's a problem with your return, just that they need more time to process it. I've been checking my transcript every Friday and haven't seen any movement yet, but trying to stay patient. Hang in there!

The IRS utilizes a dual-system approach for processing. Your Account Management System (AMS) transcript typically updates on a weekly basis if you're on that cycle, while the Refund Processing System (RPS) operates daily. In many cases, the RPS will initiate your Direct Deposit through the Treasury Department's Bureau of Fiscal Service before your next scheduled AMS transcript update. I'd recommend monitoring both the WMR tool and your financial institution, as either could reflect your refund status change before your transcript updates.

I'm in the exact same boat - gig worker, weekly transcript cycle, and just saw my transcript update today with no DDD yet. Reading through all these responses is actually really reassuring! It sounds like there's a decent chance we could see our deposits before next Friday's transcript update. I'm definitely going to start checking my bank account daily now instead of just obsessing over the transcript. Thanks everyone for sharing your experiences - this community is so helpful during tax season stress!

Be careful with how many times you attempt verification! My cousin kept trying over and over with the Michigan site, and after his 10th attempt, his account got locked for 48 hrs due to "suspicious activity." Then he had to call to get it unlocked which was another whole nightmare. MI Treasury told him they've been having probs w/ their verification system since they upgraded in Jan. Might be worth waiting a day before trying again if you've already made multiple attempts today. Just FYI so you don't end up in verification limbo like he did.

I've been dealing with this exact same Michigan verification nightmare for the past week! After reading through everyone's experiences here, I tried the early morning approach (around 6:30 AM) and it finally worked. The site seems way more stable before regular business hours. Also want to echo what others said about using different browsers - Safari on my Mac kept timing out, but switching to Edge did the trick. One thing I noticed that hasn't been mentioned yet: make sure you're entering your SSN exactly as it appears on your return (with or without dashes - the system is picky about formatting). Hope this helps someone avoid the frustration I went through!

Has anyone used E-Trade's withdrawal process recently? How long did it take to get your money? I'm considering taking funds from my Roth IRA too but need the money pretty urgently.

I went through this exact situation with my E-Trade Roth IRA about 6 months ago. Here's what I learned that might help you: First, the good news - since your account has been sitting there without investments, you likely have little to no earnings. As others mentioned, you can withdraw your original contributions penalty-free and tax-free at any time from a Roth IRA. To find out exactly what's contributions vs. earnings, log into your E-Trade account and look for "Account History" or "Tax Documents." You can also call them and ask specifically for your "Form 5498" information, which shows your contribution history. One thing that surprised me - even small amounts of interest from uninvested cash can count as "earnings." My $1,800 sitting in the settlement fund for years had earned about $15 in interest, which would have been subject to penalties if I withdrew it. The withdrawal process itself was straightforward once I knew my numbers. I was able to withdraw just my contribution amount online, and the money hit my bank account in 2 business days. E-Trade automatically generates the tax forms you'll need (Form 1099-R) at year-end. Since you're in Texas, you won't have state tax complications to worry about. Just make sure you only withdraw the contribution amount to avoid any federal penalties on earnings.

I went through something similar. The "financial guy" your friend is working with sounds sketchy. Nobody should need 6-7 months to investigate this! Tell your friend to call the IRS directly at 800-919-9835 and request a Payment Trace. They'll likely need to fill out Form 3911. Another thing - is this "financial guy" charging a fee? Because getting help with a missing stimulus payment should NOT cost anything. The IRS will help directly and for free.

Your friend should definitely bypass that "financial advisor" - 6-7 months is way too long and honestly sounds like they might be trying to charge unnecessary fees. The IRS has specific procedures for this exact situation. Here's what worked for me when my stimulus went to a closed account: First, have your friend get their IRS account transcript online (not just the tax return transcript). This will show exactly when and where the payment was sent. Then call the IRS Payment Trace line at 800-919-9835 and request a formal payment trace using Form 3911. The key is being persistent with the phone calls - try calling first thing in the morning (8am) when hold times are shorter. When they reach an agent, they should specifically mention that the payment was sent to a closed bank account and the funds were never received. The IRS can usually reissue these payments within 4-6 weeks once they confirm the original payment was returned by the bank. Don't let anyone charge you for this service - it's completely free through the IRS directly!