Called them yesterday and got hung up on twice. Their customer service is straight garbage

I'm in the same boat! Filed mine in late January and still nothing. The "Where's My Refund" tool just keeps saying "processing" with no timeline. Really frustrating especially when you're counting on that money. At least now I know it's not just me dealing with these crazy delays.

You're absolutely right to be concerned about this situation. As a resident alien who's been here 8+ years, you should definitely be filing Form 1040 (not dealing with 1042-S forms). The $380 in interest income needs to be reported on your amended return regardless of the amount. Here's what I'd recommend: First, file the 1040X to include the interest income and claim credit for any taxes withheld shown on the 1042-S. Second, definitely get your bank to update their records - ask specifically to fill out Form W-9 to establish your status as a U.S. person for tax purposes. The good news is that if they withheld 30% on that $380 (which is typical for 1042-S), you'll likely get most of that back since your actual tax rate on interest income is probably much lower. It's worth doing the amendment both to stay compliant and potentially get money back. Don't ignore it hoping the IRS won't notice - their automated matching systems will eventually flag the discrepancy, and it's much easier to handle proactively than deal with notices later.

I went through almost exactly the same situation last year! Been on an H-1B for 9 years and filed as a resident alien, then got a surprise 1042-S from my credit union months later. The key thing to understand is that this is purely a bank system error - they haven't updated your tax classification in their records. You're absolutely correct that as a long-term resident alien, you should be getting 1099-INT forms, not 1042-S. You do need to file the 1040X amendment, but here's the silver lining: if they withheld 30% federal tax on that $380 (which would be about $114), you'll probably get most of that back since your actual tax rate on interest income is likely much lower. So the amendment might actually result in a refund. For the bank, don't just tell them you're a "resident alien" - that term confuses tellers. Instead, ask to speak with someone about updating your "FATCA classification" and request to fill out Form W-9. Tell them you need to be classified as a "U.S. person for tax purposes." Bring your passport with current visa stamp as documentation. I had to visit two different branches before finding someone who knew what I was talking about, but once I used those specific terms, they fixed it immediately. Haven't had the problem since!

Has anyone considered just asking the seller for a receipt after the fact? I did this when I bought some shelving for my shop. Just messaged the guy, explained I needed it for taxes, and he wrote one up and texted me a photo of it. Worth a try if you still have their contact info.

Great advice from everyone here! I just wanted to add that bank records can be really helpful for supporting your documentation. If you paid with cash, check if you have an ATM withdrawal record from around that date for the same amount. Even credit card or debit card transactions for similar amounts can help establish a pattern of business purchases. Also, don't forget that Facebook Marketplace sometimes keeps a record of your conversations with sellers. Screenshot those messages if they mention the items or price - it's contemporaneous evidence that supports your self-created receipt. The IRS appreciates when taxpayers make good faith efforts to document legitimate business expenses, even when formal receipts aren't available. One more tip: if you're planning to make more private purchases for your business, consider carrying a simple receipt book or using a phone app to create receipts on the spot. Makes everything so much cleaner for tax time!

One thing to consider is how your kids' tax benefits would change. If you get married, both of you would claim the kids on a joint return. If you stay unmarried, only one person can claim each child for things like Child Tax Credit and Earned Income Credit.

Based on your situation, getting married before December 31st would likely save you money on taxes. With your boyfriend earning $96k as the sole income and you staying home with the kids, you'd probably benefit from the married filing jointly status. The key factors working in your favor: the MFJ standard deduction ($27,700) is significantly higher than what he currently gets as Head of Household ($20,800), plus you'd potentially move into lower tax brackets with the combined filing. The new house purchase adds another layer of potential savings through mortgage interest deductions. However, I'd strongly recommend running the actual numbers before making such an important decision. You could use a tax calculator to compare Head of Household vs Married Filing Jointly scenarios, or better yet, try to get official guidance. Don't let the wedding timing be driven solely by taxes though - there are many other financial and legal implications to consider with marriage! The December 31st timing does work tax-wise since the IRS considers your marital status as of the last day of the year for the entire tax year.

I believe I can speak to this from personal experience, though individual situations may vary somewhat. Last year, I found myself in a nearly identical position. My refund showed as funded in SBTPG on a Thursday, and I realized I needed to amend my return for a missed education credit. I cautiously filed the 1040X that same day, concerned about potential complications. My original refund deposited without issue the following Monday, and approximately 14 weeks later, I received the additional refund from my amendment. The systems appear to operate independently, at least in my experience.

Your refund is safe! 🙂 When SBTPG shows "funded," that's actually great news - it means the IRS has already completed all their processing and verification of your original return. The money has been released from the IRS systems and is now just going through the final banking steps to reach your account. I went through something similar last tax season when I had to amend for a forgotten 1099-INT. Filed my 1040X about 2 days after my refund showed funded status. The original refund hit my account right on schedule, and the amendment was processed months later as a completely separate transaction. The key thing to remember is that once your return reaches the funded stage, you've essentially cleared all the IRS hurdles. Your amendment will go into their separate queue for manual review, but it won't interfere with what's already been approved and sent out. Congratulations on getting through your first tax season as head of household - that status change can definitely make things feel more complicated, but it sounds like you handled it well!