I've been tracking KeyBank DDD patterns since January 15th when filing season opened, and here's what consistently happens: KeyBank receives funds 24-48 hours before the official DDD but doesn't release them until 6am Eastern on the actual deposit date. I've confirmed this with their customer service on March 1st and again on March 12th. Practical solution: Set up direct deposit alerts, check once in the morning of your DDD (3/22), and if nothing appears by noon, call KeyBank's direct deposit department at the number on your card (not the general customer service). Ask specifically about pending ACH deposits from the Treasury.

KeyBank customer with successful deposit this morning from a 3/22 DDD. The deposit hit my account at exactly 04:37 EST. According to the ACH transaction details, the payment originated through the Treasury's Automated Standard Application for Payments (ASAP) system and was processed through the Federal Reserve's FedACH service before arriving at KeyBank's internal settlement system. Can you verify if your Return Transcript shows TC 846 with the correct account number? Sometimes there can be a mismatch between what's displayed on WMR versus what's on your actual transcript.

I had an amended return stuck in limbo from March 15th until August 27th last year. Called TAS on September 3rd and they took my case. Had resolution by October 12th. The key was documenting everything - I had records of every call to the IRS, confirmation numbers, and names of representatives. When I finally got to TAS, that documentation made a huge difference. Don't just call and explain your problem - have dates, times, and reference numbers ready.

FYI - there's also the National Taxpayer Advocate office that handles more systemic issues. Different from the local TAS offices that handle individual cases. Prob not what you need rn, but good to know the diff. Also, TAS has been super backed up since COVID started and they never fully recovered their staffing. Might be worth trying to reach a regular IRS agent first to check your amended return status before escalating to TAS.

Here's how Michigan state refunds typically work in relation to federal DDDs: 1. Federal and state refunds operate on separate systems with different processing timelines. 2. Michigan Treasury aims to process most electronic returns within 2-3 weeks. 3. Your federal DDD has no direct technical connection to your state refund timing. 4. Michigan uses its own fraud detection systems which may create additional delays. 5. Most Michigan residents report receiving state refunds within 1-7 days after federal, but this is correlation, not causation. 6. The Michigan "Where's My Refund" tool updates every 24 hours, usually overnight. If your federal refund has arrived but Michigan shows no movement after 21 days, you may want to contact Michigan Treasury directly.

Have you considered that Michigan might actually be one of the faster states for refund processing? I've lived in several states, and Michigan typically processes within 2-3 weeks, while some states take 6-8 weeks or longer. Are you checking the Michigan Treasury website's "Check My Income Tax Information" tool? That's more accurate than the general status line. And did you e-file or paper file? Paper returns take significantly longer - could add 4-6 additional weeks to processing. Michigan's direct deposit system usually works efficiently, but they batch process payments on specific days of the week, which might explain why some people get them early while others wait until the exact date.

Everyone's saying "just wait" but that's easier said than done when you're counting on that money! 😅 I had a 571 code last year and waited about 10 days before seeing any movement. The IRS works in mysterious ways... like they're purposely trying to make us all go crazy checking WMR and transcripts every 5 minutes. But in all seriousness, the 571 really does mean they've fixed whatever issue was holding things up.

Had this code. Waited 9 days. Got my refund. No additional contact needed. System works slowly. Patience required. Most 571 codes resolve automatically. Your case sounds standard. Nothing to worry about.

Illinois state refunds are subject to additional verification procedures this year due to increased fraud prevention measures. The IL Department of Revenue implemented enhanced identity verification protocols that can add 7-14 business days to normal processing times. Additionally, returns claiming certain credits like the Earned Income Credit or Education Credit undergo mandatory review regardless of filing method. The "received being processed" status typically persists until all verification steps are complete, at which point it changes to "processed" approximately 3-5 business days before direct deposit occurs.

Are you a first-time filer in Illinois? I've noticed new residents often face longer processing times than people who've filed in the state before.

Last year I had a similar situation with the 570 code and missing wage transcript. I waited patiently thinking it would resolve itself, but after 6 weeks I discovered my employer had reported my wages under an incorrect SSN. The verification process caught this, but I wish I had been more proactive. Once I contacted my employer and they submitted a correction, it took another 3 weeks to process. If I had addressed it earlier, I would have received my refund much sooner. Don't make the same mistake I did by assuming the system will fix itself.

I'm currently on day 42 with a 570 code. My wage transcript finally appeared on day 35, and 2 days later I got a 571 code (release of hold). The IRS was verifying my income because I had exactly $24,650 in gig work income this year alongside my regular W-2. They wanted to make sure all my 1099s were properly reported. My refund was deposited exactly 5 business days after the 571 code appeared. The verification added exactly 37 days to my processing time compared to last year.

I went through this exact situation last year with my amended return. Filed in February 2023, got the 60-day notice in March, and finally received my refund in July - about 22 weeks total. What worked for me was documenting EVERYTHING. I kept a folder with copies of all correspondence, certified mail receipts, and a log of every call attempted. I even took screenshots of the Where's My Amended Return tool weekly to show it wasn't progressing. This documentation proved invaluable when I eventually had to escalate to my congressional representative's office. Their constituent services team contacted the IRS Liaison, and miraculously my amendment was processed within 2 weeks after that. Not saying it will definitely work for you, but having that paper trail ready to go made a huge difference in my case.

If you absolutely need this money soon, you might want to consider a different approach altogether. The IRS allows you to request an abatement of the 60-day review in cases of financial hardship. You'll need to call the IRS (good luck with that!) and specifically request to speak with someone about a hardship abatement for your amended return. Have documentation ready showing immediate financial need - overdue bills, eviction notices, etc. The success rate isn't great, but it's worth trying if you're in a tight spot. I've also heard of people having success by contacting their state's taxpayer advocate directly rather than going through the general IRS channels. The contact info should be on the IRS website under Taxpayer Advocate Service.

I've tracked NJ processing times for exactly 6 years now. This season is actually 4.2 days FASTER than last year for e-filed returns. The average processing time is 28.7 days for simple returns and 41.3 days for returns with credits/deductions. Out of 112 data points from my tax preparation clients, 87% received their refunds within the expected window. The remaining 13% had verification issues that required additional documentation. The system is actually working as designed - it's just designed to be frustratingly slow.

Just to clarify something important here - what OP experienced is specifically for NJ state refunds, not federal IRS refunds. The processing systems are completely separate. I work with tax clients and see this confusion often. New Jersey has its own Division of Taxation with different processing timelines than the IRS. Back in 2022, I had a client who waited 7 weeks for their NJ refund but got their federal in 10 days. Another got federal in 6 weeks but NJ came in just 2 weeks. There's no correlation between state and federal processing speeds.

I think I can help explain what's happening with your account. Here's what these codes typically mean in sequence: 1. First, the 570 appears - this is a temporary freeze on your account 2. Then the 971 appears - this means they're sending you a notice 3. After that, you'll typically see one of three things: - A 571 code (freeze released) - A 420 code (audit) - Or a refund date with adjusted amount The notice will explain exactly what's happening, but it's usually one of these scenarios: - They found a simple math error and are fixing it - They need to verify your identity - They need additional documentation - They're reviewing a specific credit you claimed Have you received any letters yet?

Um, I'm not an expert or anything, but... have you tried calling the Taxpayer Advocate Service? I think they can sometimes help when your refund is delayed. I was surprised by how complicated all this gets. I always thought filing taxes was just... file and get money back. Never knew about all these codes and notices until this year.

According to the IRS Refund Cycle Chart available on igotmyrefund.com, deposits with a DDD of 3/13 typically follow the standard 8-day processing cycle. The IRS usually transmits the funds to financial institutions 1-2 days before the DDD, but most banks hold them until the official date. Bank of America, Wells Fargo, and Chase typically release exactly on the DDD, while some credit unions and online banks like Chime or Cash App might release 1-2 days early. The 846 code is the final step in the process and means your return has cleared all verification steps. Barring any last-minute offsets, you should be good to go!

I had a DDD of 3/6 and was counting on it for my car insurance payment. Transcript showed 846 code, everything looked perfect, but then my bank held it for 24 hours for "verification" because it was over $5,000. Not the IRS's fault, but something to be aware of if you have a large refund coming. Some banks place automatic holds on government deposits over certain thresholds, especially if you don't usually receive large deposits. Might want to call your bank ahead of time to ask about their policy on tax refund deposits to avoid any surprises.