I had almost the exact same situation on February 8th this year. My "as of" date bounced between 2/26, 3/4, and back to 2/26 over a two-week period. Once I finally got my letter on March 2nd and verified, my transcript updated on March 6th with all the processing codes. I used https://taxr.ai to analyze my transcript - it explained every code and gave me a projected deposit date. It was spot on - refund hit my account on March 15th exactly as predicted.

The "as of" date changes are part of the IRS's weekly processing cycle. Here's what's happening: - The IRS runs major processing updates every 7 days - Your return is flagged for ID verification (TPP program) - The system checks your account every cycle (hence date changes) - The letter typically takes exactly 14-21 days to arrive - Once verified, most refunds process within 9 days If it's been more than 21 days since you were told about verification, call the TPP line at 800-830-5084 between 7am and 7pm. Average wait time is 74 minutes, but they can confirm if the letter was actually sent and when.

Just got my refund this morning! My transcript showed DDD of 3/25 and it hit my Cash App at 4:32am today (3/23). So that's exactly 2 days early. Is that what you were looking for? Did you get yours yet? I was checking constantly because I wasn't sure if weekends count for the early deposit feature.

Does Cash App send notifications? Mine is scheduled for next week. Wonder if I'll know right away. Hope I don't miss it.

I was in the same boat last year! My brother got his refund a full week before mine, even though I filed three days earlier. It's way less stressful than trying to get a payment plan with the IRS though - I did that in 2021 and it was a nightmare compared to just waiting for a refund. Your money is definitely coming, the banking system just processes things at different speeds. Chime and other online banks are almost always faster than traditional banks, sometimes by several days.

Have you perhaps considered checking your tax transcript instead of just WMR? It might possibly give you more detailed information about where your return is in the processing pipeline. Sometimes, if I'm not mistaken, the transcript will update with a DDD before WMR does. You could also, if you're comfortable with it, try calling the IRS directly at the account management number, though you may need to be somewhat persistent due to high call volumes this time of year. It seems that patience is unfortunately the main solution in these situations.

I had this happen in 2022 and again last year. Both times my transcript showed nothing for about 10 weeks, then suddenly updated all at once. When I finally got my refund, it included interest because it took so long! Check if you have any credits like EITC or CTC - those trigger automatic longer reviews. I remember being concerned just like you are now.

Ngl, had the same issue but it resolved itself. Filed Jan 24th, WMR said processing forever, transcript showed zilch until mid-April. Then boom - everything updated at once and got my DD 3 days later. No explanation, no letter, nothing. IRS gonna IRS I guess. Hang in there!

WMR is notoriously unreliable. I filed in early February and my WMR never updated past "processing" but I got my refund in March. The transcript system is separate and generally more accurate, but it sounds like you're having technical issues accessing it. Try early morning (like 5-6am) when the system has less traffic.

When did you file? If it was within the last 21 days, it might just not be fully processed yet. Also, are you claiming any credits like EITC or CTC? Those take longer to process and might explain why you can't access transcripts yet.

Back in 2022, I got a verification letter and made the mistake of mailing my documents instead of uploading them. It took over 4 months to get my refund! Last year, I learned my lesson and used the online portal for a similar verification request. That time it only took about 18 days from upload to deposit. The key difference was checking my transcript daily - when I saw code 571 appear, my refund was processed exactly 7 days later. Don't make my mistake from 2022 - if you mailed anything instead of uploading, consider calling to confirm they received it.

I just went through this whole verification dance last month! Got my refund exactly 16 days after uploading my docs. The funniest part was watching my transcript update with what felt like hieroglyphics - 570, 971, 571, 846... it was like trying to decode an ancient tax scroll! 😂 But seriously, when you see that 846 code with a date, that's your direct deposit date. Set a calendar reminder for 16-20 days from when you uploaded and try not to obsessively check before then (like I definitely didn't do... every 3 hours... for two weeks).

I just checked the IRS2Go app and the official IRS refund FAQ page (https://www.irs.gov/refunds/tax-season-refund-frequently-asked-questions). They specifically state that the IRS can only confirm when they've issued the refund, not when your bank processes it. According to their guidance, you should contact your financial institution if it's been more than 5 days since your DDD. I'm pretty confident Chase is the bottleneck here.

I'm a former banking operations specialist, and there may be some additional factors at play here. Chase, like most large banks, typically processes ACH transfers in batches, usually around 2-3 times per day. If the IRS transmission occurred after the final batch on 3/19, it would likely be processed the following business day. Additionally, there could possibly be a security hold if this is a new account, if the amount is significantly larger than previous deposits, or if there have been recent account changes. These holds are generally 2-3 business days but can extend to 5 business days in some circumstances.

I went through this exact nightmare last year. Waited 7 weeks with no transcript updates. Finally tried calling the IRS but kept getting the "high call volume" message and disconnects. Found Claimyr.com and it got me through to an actual human at the IRS in about 15 minutes. The agent confirmed my return was just in normal processing with no issues. Cost me $25 but saved me days of redial hell. Worth it for the peace of mind: https://claimyr.com

Check if you have access to your Account Transcript as well as your Return Transcript. Sometimes the Account Transcript will show activity even when the Return Transcript says N/A. Also, try checking your transcript after midnight on Friday - that's when the IRS typically does their weekly updates.

I had exactly the same issue last year and waited exactly 9 days with my money already in my account but WMR still showing processing. I tried calling the IRS to make sure everything was actually finalized (was worried they might take the money back!) but couldn't get through after 127 minutes on hold. Finally used Claimyr (https://claimyr.com) and got connected to an agent in 18 minutes who confirmed everything was complete on their end and the WMR tool just hadn't caught up yet. Saved me hours of waiting and worrying about whether my case was actually closed.

WMR is notoriously unreliable during peak filing season. Many taxpayers experience this disconnect between actual deposit and status updates. Always verify deposit dates on your transcript (cycle code 20240905) rather than relying on WMR. The IRS prioritizes payment processing over status updates. Check your account transcript for TC 846 code - that's your actual refund issued confirmation. The status tool is simply the last priority in their workflow.

According to the IRS.gov website under 'Where's My Refund' FAQs (https://www.irs.gov/refunds/frequently-asked-questions-about-refund-timing), most direct deposits are received within 21 days of filing, but the actual bank deposit timing varies. Your transcript showing 3-05-25 means the refund was approved and scheduled for release on that date. The Treasury Financial Management Service then transmits the payment to your bank, which typically takes 1-2 business days. Your bank may then have its own processing time, though most make funds available immediately once received. If you don't see it by 3-08-25, you might want to contact your bank first before contacting the IRS.

Have you tried checking your bank's pending deposits section? Sometimes they show up there before officially posting! 😊 I've found that logging into my bank's actual website (not just the app) sometimes shows pending ACH transfers that aren't visible in the mobile app. Also, if you're really antsy about it, you could set up text alerts for deposits over a certain amount - that way you'll know the exact minute it hits your account without having to refresh constantly like I did last year (seriously, I think I checked 50 times in one day, lol).