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FYI for everyone - the IRS is actually ahead of schedule this yr compared to last. Most ppl filing in Feb are seeing 21-day turnaround or better unless they're claiming certain credits. Path Act delays still apply for EITC/ACTC claims but those started processing after Feb 15th. WMR isn't always accurate but transcripts rarely lie. If ur transcript shows a 846 code, the $$ is on its way regardless of what WMR says. Congrats on getting paid!
Congratulations on getting your refund! That's a great timeline - filing on 2/13 and getting your money by early March is exactly what we all hope for. I'm curious about a few things that might help others who are still waiting: Did you use any tax software or file through a professional? Also, since you mentioned this was your first time filing jointly after marriage, did you have to provide any additional documentation or did everything go smoothly with the name/status changes? I know some people worry about potential delays when their filing status changes from previous years, so your experience could be really reassuring for others in similar situations.
23 Just my two cents: make sure you check if your state taxes were also affected! We fixed our federal withholding after a similar situation but completely forgot about state taxes and got hit with another bill the following year. Now we have extra withholding for both federal AND state.
15 I was in almost the exact same situation last year - dual income household, both filed as married filing jointly, and got smacked with an $8,400 bill we weren't prepared for. Here's what we learned: **Payment decision:** We ended up doing a hybrid approach. We paid about 60% immediately to reduce the principal amount that would accrue interest, then set up a 24-month payment plan for the remainder. This kept our emergency fund mostly intact while minimizing the total interest we'd pay. **For next year:** The W-4 redesign in 2020 really helps with this! We used the IRS withholding estimator (it's actually pretty user-friendly) and discovered we needed to add about $180 per paycheck in additional withholding. We split this between both our W-4s - I put an extra $90 on mine, my spouse did the same. **Pro tip:** Run the withholding calculator again mid-year, especially if either of you gets a raise, bonus, or job change. Income changes throughout the year can throw off your projections. The peace of mind from getting this fixed is totally worth the effort. We're actually on track for a small refund this year instead of another surprise bill!
That hybrid approach sounds really smart! I hadn't thought about paying part of it upfront to reduce the interest-bearing amount. Quick question - when you used the IRS withholding estimator, did it account for things like standard deduction and child tax credits automatically, or did you have to input those separately? We have two kids and I want to make sure we're not overwithholding because of credits we'll get anyway.
Have you verified whether your refund was processed through a third-party facilitator like SBTPG or Republic Bank? If you used tax preparation software with fees deducted from your refund, this introduces an additional processing layer that can delay deposits by 24-72 hours beyond your DDD. What payment method did you select when filing, and did you receive confirmation that your banking information was accurately transmitted to the IRS?
@Theodore Nelson, I had the exact same situation last year with Chime and a 3/13 DDD. Mine didn't show up until 3/15, which had me panicking. Turned out there was a weekend processing delay that pushed it back. Since 3/13 fell on a Wednesday this year, you should definitely have it by now if everything processed normally. I'd recommend checking your Chime account for any pending transactions first, then calling their customer service line. They can see incoming ACH transfers before they post to your account. If Chime shows nothing incoming, then you'll want to contact the IRS to verify the refund was actually sent to the correct account. Also double-check your transcript shows TC 846 with your correct account number - sometimes there are routing errors that cause delays.
Wait, I think there might be some confusion in your post. You mentioned filing your federal return in February 2025, but California shows a refund issued in January 2025 - that timeline doesn't make sense since you can't get a refund processed before you even file! Are you maybe looking at last year's CA refund status by mistake? The state and federal systems are completely separate, so your CA refund status wouldn't affect your federal refund at all. For your federal return, if Where's My Refund is blank, definitely check your actual IRS transcript - that's where you'll see the real processing status. The WMR tool glitches out all the time but your transcript will show exactly what's happening with codes and dates.
Good catch on the timeline! That definitely doesn't add up. OP might be looking at 2024 tax year info or got confused between tax years. But yeah, transcript is definitely the way to go - WMR has been super unreliable this season. I've seen so many people get accurate info from their transcripts when WMR shows nothing.
Liam Duke
Called IRS today about this exact issue. They said 6-8 weeks is standard procedure after a rejected DD. The rep told me they're actually moving pretty quick on these rn tho
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Manny Lark
ā¢how tf did u even get through to them?? been trying for days
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Liam Duke
ā¢called right at 7am when they opened lol took like 5 tries but finally got in
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Charlie Yang
Had this happen to me last year - took exactly 5 weeks from the rejection date to get my paper check. The most frustrating part is there's really no way to speed it up, you just have to wait for their system to process it. Keep checking your informed delivery if you have it set up so you know when it's coming. Hang in there!
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Melina Haruko
ā¢5 weeks isn't too bad compared to what some others are saying! definitely signing up for informed delivery rn, didn't even know that was a thing. thanks for the hope š
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