Try calling your bank. Ask specifically about pending ACH deposits. Many can see them in their system before they post. Worth a shot. Might save you stress. Some banks have early posting policies. Credit unions often process faster. Online banks vary widely. Navy Federal typically posts overnight. USAA sometimes same day.

Military spouse here who's been through several PCS moves! I always get anxious about refund timing during moving season too. In my experience, that TurboTax email usually means you're 24-48 hours away from seeing the money. What I've learned to do is immediately check my bank's mobile app for any pending transactions - sometimes they show up there before officially posting. Also, since you mentioned checking your transcript, that's actually a great idea! Look for code 846 with a date - that's when the IRS actually sent your refund. The gap between that date and when you got the email can give you a better sense of your bank's processing speed. For future PCS moves, I always try to file early January to avoid any refund delays during peak moving season. Hope your deposit comes through quickly and your move goes smoothly!

I went through this exact situation and want to suggest something that nobody has mentioned yet - if this was your only mistake and the additional tax is relatively small (under $1000), you might qualify for the IRS First-Time Penalty Abatement program. If you have a clean compliance history (filed and paid on time for the past 3 years), you can request that they waive the failure-to-pay penalty. They won't advertise this option, so you have to specifically ask for "First-Time Penalty Abatement" after you've filed your amendment and paid what you owe. This won't eliminate interest charges, but it can save you from the more substantial penalties.

I just want to add some reassurance here - I made a similar mistake a few years ago when I forgot to include a 1099-INT for about $400 in interest income. I was absolutely terrified about what would happen, but it turned out to be much more manageable than I expected. The key is acting quickly like you're doing. I filed my amended return about 3 weeks after realizing my mistake, and the total additional cost was only about $80 in taxes plus maybe $15 in interest. No penalties since I corrected it voluntarily before they contacted me. One thing that really helped was keeping detailed records of when I discovered the error, when I filed the amendment, and when I made the payment. This documentation came in handy when I called the IRS later with a question - they could see I had acted in good faith to correct the mistake promptly. Don't let the anxiety paralyze you - just get the amendment filed as soon as you can and you'll be fine!

Has anyone here actually received IRS notices about missing 1099 income? I'm wondering what the timeline typically looks like. I had a similar situation in 2022 (forgot a small 1099) but never amended and haven't heard anything from the IRS yet.

I went through this exact same situation last year! Forgot about a 1099-MISC for about $3,200 in consulting income. I was terrified about penalties too, but honestly it wasn't as bad as I expected. I filed the 1040-X about 6 months after my original return, paid the additional tax plus some interest (maybe $150 total), and that was it. No audit, no scary letters afterward. The IRS actually processed my amendment pretty quickly - got my refund adjustment in about 8 weeks. My advice: just bite the bullet and file the amendment now. The stress of waiting and wondering is way worse than just dealing with it head-on. Plus, like others mentioned, being proactive definitely works in your favor penalty-wise!

I'm currently dealing with this exact situation - 570 code appeared 8 days ago, then 971 showed up 3 days later, both with $0.00. Reading through everyone's experiences here is incredibly reassuring! It sounds like this is much more common than I initially thought. What's really helping me is understanding that the zero dollar amounts are actually a good sign - means it's likely just procedural rather than them finding actual errors in my return. I'm going to wait another week or so before calling, based on what others have shared about the typical timeline. Thanks everyone for sharing your experiences - this community is so valuable when the IRS keeps us all in the dark!

I'm going through this exact same situation right now! Got the 570 code about 6 days ago, and just noticed the 971 appeared yesterday - both showing $0.00 like everyone else is describing. This thread has been incredibly helpful because I was starting to panic thinking something was seriously wrong with my return. It's so frustrating that the IRS website and phone representatives give such inconsistent information about these codes. Based on what everyone is sharing here, it sounds like this is just part of their standard verification process this year, and most people are seeing resolution within 2-3 weeks. I'm definitely going to wait it out a bit longer before calling, especially after reading about the different experiences people had when they did call. Thanks to everyone for sharing your timelines and outcomes - it's such a relief to know this is normal and not some major red flag with my filing!

I've worked in multiple states for years and here's my advice - document EVERYTHING. Keep all your pay stubs, take screenshots of your electronic ones, and make sure you understand which state taxes you're paying. Most mistakes with interstate work happen because people don't realize which state is getting their withholding. With reciprocity agreements you typically pay taxes to your home state, not where you work, but some employers mess this up.

The stress you're feeling is completely normal - tax situations involving multiple states can be really confusing! From what you've described, it sounds like you're being very thorough in checking your work, which is exactly the right approach. One thing that might help ease your anxiety: the IRS processes over 150 million tax returns each year, and honest mistakes are incredibly common. The system is designed to handle errors, not punish people for them. Most mistakes result in simple notices asking for clarification or adjustment, not audits or legal trouble. For your reciprocity situation specifically, double-check that Box 17 (state tax withheld) on your W-2 matches what you expect based on your home state. If there's withholding from both states, you might need to file a nonresident return in the work state to get a refund, while reporting all income on your home state return. The key is responding promptly to any IRS correspondence and keeping good records of your income and withholding. Your careful attention to detail now will serve you well if any questions come up later. You've got this!