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Be careful about assuming when your refund will arrive. On March 14th last year, I had the exact same situation - cycle code changed from 05 to 04 and 846 appeared. The transcript showed a refund date of March 19th, but my bank didn't process it until March 23rd. Some banks hold IRS deposits for 1-3 business days for verification. I'd recommend not counting on the money until at least 3-5 business days after the date shown with your 846 code, especially if you need it for medical expenses. Better to be pleasantly surprised than disappointed.
After dealing with this exact situation for three consecutive tax seasons, I've noticed a pattern. The cycle code change from 05 to 04 typically indicates your return has moved from weekly batch processing to daily processing for final disbursement. It's actually a positive sign! In my experience, refunds with the 04 cycle code at the end tend to arrive slightly faster than projectedβoften 1-2 days before the date listed with the 846 code. I was pleasantly surprised when mine arrived early this year despite the cycle code change that initially had me worried.
The IRS could certainly be more transparent about this process. While February 15th is technically when the PATH Act hold lifts, the IRS generally processes these returns in batches, which typically results in deposits occurring between February 22-27 for most taxpayers. It's worth noting that the "Where's My Refund" tool is often not updated in real-time and can lag behind your actual processing status by 24-72 hours. Additionally, many taxpayers experience the "PATH Act glitch" where their status appears unchanged even after processing has moved forward. I would recommend checking your tax transcript directly rather than relying on WMR, as transcript updates are generally more accurate indicators of your refund's progress through the system.
I've been through this PATH Act confusion for 5 years running now. Every year it's the same story - February 15th is when they START processing, but nobody actually gets money that day. Last year I received my refund on February 23rd, the year before was February 24th. This year my transcript shows a deposit date of February 28th. The most reliable method I've found is to look for the 846 refund issued code on your transcript. Once that appears with a date, you can count on it (usually). The WMR tool is basically useless during PATH season - mine was stuck on "still processing" even after I had the money in my account!
Do you know if having business income (Schedule C) affects the PATH timeline differently? I'm concerned because I have both EITC and self-employment income on my return this year.
Have you checked if your bank information was entered correctly? I had a similar situation last year where my return went from "processing beyond normal timeframe" to PATH status, but then it got delayed again because my routing number was off by one digit. Did you file with a foreign bank account or a US-based account? Foreign accounts sometimes trigger additional verification steps that can add weeks to processing time. Have you received any notices in the mail from the IRS?
Just went thru this exact thing! Had the "processing beyond normal" msg for like 6 wks, updated to PATH last Thurs, and boom - got my DDD yesterday for next Monday. IRS is def moving faster now that the initial rush is over. FWIW, I'm also an intl filer (expat in Canada) and they always take longer with our returns bc of the extra forms and verifications. Hang tight - you're in the home stretch now!
I'm not convinced the WMR tool is working properly for anyone right now. It's like trying to check your flight status during a major storm - the system might respond, but the information isn't necessarily accurate. The IRS systems are like old plumbing in a house - when too many people turn on the water at once, pressure drops for everyone. I'd trust your transcript over WMR any day of the week.
The WMR functionality is absolutely separate from actual return processing. I've worked with tax returns for years, and I can tell you that PATH Act holds are processed in batches based on filing method, verification requirements, and processing center capacity. Your return being visible in the system doesn't accelerate actual processing. Many taxpayers don't realize that transcript updates typically precede WMR updates by 24-72 hours, so checking your transcript is more informative than WMR status.
I had no idea transcripts update before WMR! So should I be checking my transcript instead? We filed on February 2nd and I've been obsessively checking WMR but maybe I've been looking in the wrong place?
Oliver Weber
Try using the IRS2Go app instead of the website. It's pulling from the same database but sometimes works when the main site is down. Also check your bank account directly. Many times the deposit hits before any of the IRS tools update. If all else fails, log into your IRS online account and check your transcript - it's more reliable than WMR anyway.
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Natasha Romanova
Just to clarify for everyone - the IRS does routine maintenance on their systems, but they usually do it overnight. This current outage seems unplanned. I've been doing taxes for 8 years, and in my experience, these unexpected outages usually resolve within a day. The good news? Sometimes after these system hiccups, there's a flood of refund updates. Like tax Christmas! π So maybe check again tomorrow morning - you might be pleasantly surprised.
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