Let me clarify exactly how this process works: Step 1: IRS approves your refund (you're here with code 846) Step 2: IRS sends full refund amount to SBTG's bank Step 3: SBTG receives funds (typically 1-3 business days after 846 date) Step 4: SBTG deducts TurboTax fee + their own processing fee Step 5: SBTG forwards remaining balance to your bank Step 6: Your bank processes the deposit (0-2 days depending on your bank) The SBTG tracking system often doesn't update until Step 3 is complete. With today being April 3rd, and assuming your 846 code is dated within the last few days, you should see movement by April 7th at the latest. If nothing shows by then, you should contact TurboTax immediately as there could be an issue with your account information.

I went through this exact same scenario last year and can confirm what others are saying - there's definitely a delay between your transcript showing code 846 and SBTG updating their system. In my case, it took about 4 days after the 846 code appeared for anything to show up on SBTG's tracking portal. One thing I wish someone had told me: when you choose to pay fees from your refund, you're essentially giving the IRS permission to send your entire refund to SBTG first, rather than directly to your bank account. That's why it takes longer and follows a different path than direct deposits. Since you mentioned this is your first filing post-divorce, I totally understand wanting to track everything closely. My advice would be to check both SBTG and your bank account daily for the next few days. Sometimes the deposit shows up as pending in your bank before SBTG even updates their website. Also, make sure you have the correct SBTG tracking information - it should have been provided in your TurboTax confirmation email. Hang in there - the money will come through, it's just taking the scenic route!

Same boat bestie! Changed last week, no movement yet tho 🙃

I've seen this happen to several people this filing season! From what I understand, the cycle code change from 05 to 02 usually means your return got moved to a different processing queue - could be for additional review, verification, or just workload balancing. The good news is 02 cycle means you'll get updates on Tuesdays instead of waiting until Friday. Keep checking your transcript every Tuesday morning and you should see movement soon! 🤞

The WMR tool is like that friend who always shows up late to the party after everyone else already knows what's happening. My transcript showed my refund was approved and on its way while WMR was still acting like my return was a complete mystery. Got my deposit last Wednesday exactly as my transcript predicted, and WMR finally updated two days AFTER the money was already in my account.

This is such valuable information for everyone waiting! I'm relatively new to this community but have been lurking for weeks trying to understand the whole transcript vs WMR situation. Your experience confirms what I've been reading here - the transcript is definitely the more reliable source. I filed on 2/15 and my transcript just updated yesterday showing a 4/5 deposit date, but like you, my WMR is still stuck on the first processing bar. Before finding this group, I would have been panicking thinking something went wrong with my return. Now I know to trust the transcript and just wait patiently. Thank you for taking the time to share your timeline and outcome - it really helps those of us still in the waiting phase!

Something that really bit me - I took a 401k loan and then my company got acquired 3 months later. The new company's plan didn't accept loan transfers, so I had to either repay the full amount within 30 days or have it treated as a distribution. I ended up with a huge tax bill because I couldn't come up with the cash that quickly. Just something to consider if there's any chance of company changes on the horizon!

This is such important information that more people need to know about! I took a 401k loan about two years ago and honestly wish I had found a thread like this first. One thing I'd add - track your loan payments carefully and keep all documentation. My payroll department made an error and didn't process my loan payments for about 6 weeks, which almost put me in default. When I caught it, I had to scramble to make up the missed payments to avoid having the loan treated as a distribution. Also, if you're married and file jointly, make sure your spouse understands the implications too. The potential tax hit if something goes wrong affects both of your tax situations. My husband and I had to adjust our withholdings after I took the loan because of the after-tax repayment situation mentioned earlier. The job loss risk is real - I've seen three coworkers get caught in that exact scenario during the last round of layoffs. One was able to do a rollover to avoid the penalty, but the other two got hit hard tax-wise. Just make sure you have a backup plan if your employment situation changes unexpectedly.

Y'all need to bookmark this post fr. This is the most accurate PATH timeline I've seen on here 👀

This is super helpful! I'm a first-time filer with EITC and was wondering why my WMR hasn't budged since I filed last week. So basically I should just stop checking until after Feb 21st? Also wondering if the transcript times you mentioned are EST or what timezone?