The early deposit feature mostly applies to regular paychecks, not tax refunds. Tax refunds are sent by the Treasury in batches and the timing can be unpredictable. I wouldn't count on the "2 days early" thing for tax refunds specifically.

For anyone still waiting - just wanted to share that I also bank with Current and had a 4/15 DD date. Mine hit around 1:30pm today, so about 1 day early like most people have been saying. I think the key thing to remember is that the IRS releases these in waves throughout the day, so even if you have the same bank and DD date as someone else, you might get yours at different times. Don't panic if yours isn't there yet - it's probably coming soon! The stress of waiting is the worst part but it sounds like Current is being pretty consistent with the 1-day early timing for tax refunds.

Has anyone actually received a CP2000 notice for this specific double-reporting situation? I'm curious what happens in that case.

I went through this exact situation two years ago and it was incredibly stressful! What really helped me was creating a simple spreadsheet documenting all the payments from that client - dates, amounts, and which forms they appeared on. This made it crystal clear that it was the same income being double-reported. The key thing to remember is that you've already correctly reported your income, so you're not actually in the wrong here. The IRS deals with this payment processor double-reporting issue constantly, especially with platforms like Stripe, PayPal, and Square becoming so common. If you do get a CP2000 notice (which honestly might not even happen), having that documentation ready makes responding super straightforward. You just explain the situation and provide the evidence. In my case, I never even got a notice - I think their systems are getting better at recognizing these situations automatically. For next year, definitely have that conversation with your client about not issuing a 1099-NEC when payments go through Stripe. Most small business owners don't realize they're creating this headache for their contractors!

Anyone else notice how 846 codes on mondays usually hit different than other days? 👀

Congrats on getting the 846 code! That's definitely your refund issued date. Just wanted to add that you should also check if there are any other codes on your transcript like 570 or 571 that might delay things. But if 846 is showing with March 3rd and no hold codes, you're golden! 🎉

Hey OP, any update? Did you manage to get through to them?

I went through the exact same thing last year! The IRS letter never showed up, and I was panicking about not being able to file my taxes. Here's what worked for me: I called the IRS early in the morning (like 7:30 AM) and got through pretty quickly. They couldn't give me the verification code over the phone, but they were able to verify my identity using other methods - they asked me questions about my previous tax returns, addresses, and some financial info. They then sent a new letter to my current address, which arrived within 10 business days. Make sure you have your Social Security card, driver's license, and last year's tax return handy when you call. Also, double-check that they have your correct mailing address! Good luck - you got this! 💪

Word of caution - if you filed with TT and chose fees taken out of refund, it might take a few extra days to hit your account bc it goes through their bank first

Congrats on the 846! That's definitely your Direct Deposit Date. Just keep in mind that 2/24 falls on a Monday, so depending on your bank it could show up as early as Friday 2/21 or over the weekend. Some banks release funds early when the deposit date falls on a weekday. Either way, you're in the home stretch! 🎉