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.

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! 🎉

I heard they're super backed up because of the pandemic still. My cousin's neighbor's dog's previous owner works for the IRS and said they're like 2 years behind on everything.

I'm going through the exact same thing right now! Filed early February, did the identity verification through ID.me about 3 weeks ago, and my transcript still shows no updates. It's like my return just disappeared into the void. One thing I've been doing is checking the "Where's My Refund" tool every Friday (that's when they typically update), but it's been stuck on "Your return is being processed" forever. Really hoping someone here has some insight because calling the IRS feels impossible these days. @Annabel have you tried checking if there are any notices in your online account? Sometimes they send digital notices that don't show up in the mail right away.

What time of day did you call? I've been trying for weeks but always get the "due to high call volume" message and then it hangs up on me 😡

This is exactly what happened to me! Filed on February 28th and had absolutely nothing on my transcript for 7 weeks. I was starting to panic thinking my return was lost in the system. Finally called using the phone tree someone posted here (the 1-2-1-3-2 sequence) and got through after about 45 minutes on hold. The agent immediately said "Oh, I see you need identity verification" - like it was obvious to her but there was NO indication of this anywhere on my end. No letter, no codes on transcript, nothing. She verified me right there on the phone asking basic questions about my filing history and personal info. My transcript updated with processing codes within 2 hours and I got my DDD the next day! If you're past the 21-day mark with zero movement, definitely call and specifically ask about identity verification requirements. Don't let them just tell you to "keep waiting" - push for answers about what's actually holding up your return.

3 This happened to me with Etsy and Paypal! If you're using TurboTax, there's a section where you can report both 1099s but then add an adjustment note explaining that they represent the same income. You'll have to pay self-employment tax either way though - welcome to the creator economy lol

I went through this exact same situation last year with my YouTube payments! The key thing to remember is that even though you received two 1099s, you're only taxed on the actual income you earned - not the forms themselves. Here's what worked for me: Report both 1099s on your Schedule C (because the IRS gets copies of both), but then make an adjustment entry to subtract out the duplicate amount. Most tax software has a section for "other income adjustments" where you can add a line like "Duplicate income reported - PayPal/TikTok same payments" and enter the overlapping amount as a negative. The $40 difference between your two forms is probably just timing or fees - I'd go with the higher amount to be safe. Also, since this is self-employment income, don't forget you'll owe self-employment tax on top of regular income tax, but you can also deduct business expenses like equipment, software, internet percentage, etc. Keep good records of everything in case of questions later. The IRS sees this double-reporting issue all the time with creators, so as long as your documentation is clear, you should be fine!