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If you want to avoid this whole stress next year, here's what I recommend: Step 1: File as early as possible, but only after all your documents are in Step 2: If you have refundable credits (EIC/CTC), expect the PATH Act delay regardless of when you file Step 3: Pay any filing fees upfront instead of from your refund Step 4: Set up direct deposit to your primary checking account Step 5: Use the IRS2Go app for checking status instead of the website (updates more frequently) Step 6: Check your transcript weekly, not daily (reduces stress) Step 7: If you see code 846, that's your Direct Deposit Date Following these steps has consistently gotten me my refund with minimal delays for the past three years.
Thank you for this! Definitely saving for next year. The paying fees upfront tip alone would have saved me almost a week of waiting.
I had almost the identical timeline as you - filed 1/26, accepted same day, had EIC and CTC, paid TT fees from refund. Got my DDD yesterday for 3/15 deposit. Last year I filed on 2/3 and didn't get my refund until early April, so this is definitely faster! When I called the IRS about it last year, they said the third-party bank that processes the fee payment (SBTPG) was causing additional delays. This year I was tempted to pay upfront but forgot again. Next year for sure!
Can anyone tell me exactly what time the transcripts update for 0405 cycle? I've heard it's at precisely 12:05am on Thursday mornings, but others say it's more like 3:00am or even 6:00am Eastern time. I've been checking at 12:01am, 3:01am, and 6:01am every Thursday for the past 21 days with no changes.
I tracked this pretty carefully last year. My 0405 cycle updated at 3:17am Eastern on a Thursday. The following week it was 2:58am. There's no exact science to it, but generally between midnight and 6am Eastern is when the overnight batch processing completes.
Thank you all for this detailed timing info! My mortgage payment is due next week and I'm really counting on this refund. Knowing exactly when to check saves me from the anxiety of refreshing constantly!
I've been through this before. In my experience, checking transcripts constantly just adds stress. I recommend setting up direct deposit if you haven't already, then just check once each Thursday morning. My cycle code was 0405 last year and 0505 the year before. Both times, my deposit arrived about 5-7 days after the transcript updated with an 846 code. The IRS is actually pretty consistent once they process your return.
Did you check your bank account to see if the money actually arrived on 2/22? And if it did, was it the full amount you were expecting? This would tell us a lot about what's happening with your situation.
I've been tracking these transcript codes for years, and here's what I've learned: the IRS systems aren't always logical in how they display information. Sometimes notices are generated automatically by one system while refunds are processed by another, and they don't always talk to each other in real-time. The fact that you amended your return is likely the key here - the 971 is probably just documentation of that amendment being processed, not a problem with your refund. Most people never even bother to check their transcripts and just get their refunds without knowing about all these behind-the-scenes codes.
I'm seeing a specific pattern with TaxSlayer returns this year. The Submission Processing Center seems to be batching them differently than returns from other preparers. My theory is it's related to the API integration between TaxSlayer and the IRS Modernized e-File system. Looking at the technical specs, TaxSlayer uses a different handshake protocol that might be causing the WMR status to lag behind the actual processing. Did you by chance use any tax credits on your return? Even without the major ones, certain business deductions can trigger additional verification that updates the transcript but not WMR.
OMG SAME THING HAPPENED TO ME!!! Filed on 2/10, transcript updated yesterday with 2/24 DDD, but WMR still shows nothing! I was freaking out until I saw your post! So relieved I'm not the only one dealing with this! I've been checking WMR literally every morning at 6am and every night at 10pm for weeks and was so confused why it wasn't updating. Thank you for sharing this - gives me hope my money is actually coming! š
CosmosCaptain
Capital One processes overnight. Mine hit at 2am. One day early. Same as last year. No notifications until morning. Check your pending transactions. Sometimes shows there first.
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Freya Johansen
Let me share a specific example from today: My brother and I both have Capital One accounts. We both had DDDs of 2/22. His refund ($1,850) hit his account at 11:42am today. Mine ($3,275) didn't deposit until 3:18pm. Same bank, same DDD, different processing times. It's like waiting for a train that runs on its own mysterious schedule - it'll get there when it gets there, but it's definitely coming.
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