I filed exactly 52 days ago on January 26th and just got my refund yesterday. Here's the exact timeline: - Filed and accepted: January 26th - Transcript showed processing: February 9th (14 days later) - Got a 570 code: February 16th (21 days after filing) - 571 code appeared: March 7th (40 days after filing) - 846 code with direct deposit date: March 12th (45 days after filing) - Money in account: March 18th (51 days after filing) My return included both Child Tax Credit and some self-employment income, which definitely slowed things down. Based on patterns I've observed, simple W-2 only returns are processing in about 14-21 days right now.

NGL, last yr was a nightmare for me. Filed Feb 1, didn't get $ until MAY 😩 Turns out there was an ID verification issue but the IRS never sent a letter! I kept checking WMR and it just said "still processing" for 3 months. Finally called and spent 2hrs on hold only to find out I needed to verify on ID.me. Fixed it in 10min and had my refund 2wks later. Moral of the story: if it's been >30 days w/no movement, something's prob wrong and waiting longer won't fix it. Be proactive!

The offset process follows a specific timeline that explains your situation perfectly. When the IRS issues a refund with code 846, they send the full amount to the Bureau of Fiscal Service exactly 3-5 business days before your DDD. The BFS then checks the Treasury Offset Program database and processes any required offsets, typically taking 1-2 days. This means you'll receive the reduced amount (original refund minus support obligations) on your scheduled deposit date. The notice explaining the offset is mailed separately and usually arrives 7-10 days after the deposit. This timing gap is completely normal and affects approximately 3.2 million taxpayers annually who have various types of offsets.

Have you considered what might happen if you make financial plans based on receiving the full amount? The transcript shows what the IRS has approved, but have you verified what will actually reach your bank account? Many taxpayers are surprised when their deposit is smaller than expected due to this exact situation. Could you contact your state's child support enforcement agency directly to confirm the offset amount? They often have this information before it appears in any federal system and might give you a more accurate picture of what to expect.

Important timeline info for everyone: The IRS has specific cut-off dates for changing direct deposit information. For 2024 tax returns, you cannot modify direct deposit details after your return has been accepted. Your options now are: 1. Wait for the automatic paper check (4-6 weeks after rejection) 2. Request a payment trace if 5 weeks have passed since your refund date 3. Update your address with USPS if you've moved The IRS never contacts taxpayers via email or phone about rejected deposits - they only communicate through official mail.

Just to clarify for everyone - "Santa Barbara" in the OP's question refers to Santa Barbara Tax Products Group, which handles the refund transfers for Credit Karma Tax (now Cash App Tax). They're the intermediary between the IRS and your account. If your Credit Karma account closed, Santa Barbara will reject the deposit and the IRS will mail a paper check. This is different from regular bank accounts where sometimes the bank will accept the deposit even if the account is closed and then mail you a check themselves.

Have you considered calling your bank directly? Many banks have specific departments that handle government deposits, and they can often see pending ACH transfers before they post to your account. I've found this approach to be much more effective than waiting or trying to reach the IRS. Most banks have extended hours for their ACH departments, and they can tell you if they've received the transfer notification from the Treasury Department. This gives you a definitive answer rather than speculating based on transcript dates which, as others have mentioned, are really just release dates rather than deposit guarantees.

Lol welcome to the "refresh your bank app every 5 minutes" club! 😂 I was in the same boat last week - transcript said 3/15 but didn't hit my account until 3/18 (Monday). Nearly drove myself crazy checking all weekend! From what I've seen on this sub, about 60% get it same day, 30% next day, and 10% take 2-3 days. Seems to depend on your bank and sometimes just luck of the draw. Hang in there - it's coming! 💰

For those concerned about cycle code 0702, I wanted to share some additional information that might help ease some anxiety: The IRS processing system groups returns into weekly and daily processing cycles. Cycle code 0702 is a weekly cycle that processes on Thursdays. The first two digits (07) indicate the year (2024/2025 tax season), and the last two digits (02) indicate the day of the week (Thursday). There's been a significant increase in processing times this year, especially for returns with business income, itemized deductions, or certain credits. The IRS has acknowledged staffing shortages in several processing centers, which has contributed to delays. If your transcript shows cycle code 0702 but no DDD yet, you're likely in the queue for processing, but haven't been assigned to the final processing stage. Keep checking your transcript on Friday mornings for updates.

Cycle 0702 here. Filed Feb 1. Got DDD yesterday. Nine weeks total. Never saw any 570 codes. Just straight to 846 code with deposit date. No rhyme or reason to it. Just wait.