One thing to consider is whether you claimed any refundable credits besides the Child Tax Credit. The Earned Income Credit or American Opportunity Credit can also trigger additional review. I always tell my friends it's like the IRS plays "tax return bingo" - if you hit too many special categories (dependent under 17, education credits, self-employment income), you win the prize of waiting longer! 😂 But seriously, as long as WMR doesn't show an error, you're probably fine.

Just wanted to share a success story that might help. I was in the same situation last year according to the IRS2Go app. Filed three family returns on the same day through TurboTax. Two processed quickly, but mine with a child under 17 sat with N/A transcript for almost 4 weeks. Then suddenly one Tuesday morning everything updated at once, and my refund was deposited two days later. The IRS Where's My Refund tool never showed any issues - it just took longer because of the additional verification steps.

I had this exact situation back in February. The 971 code appeared on my transcript, and I was worried it would delay our house closing. I waited for the notice, which arrived about 5 days later. It turned out they just needed verification of my wife's identity since we were newly married and filing jointly for the first time. I called the number on the notice, verified the information, and our refund was released exactly 9 days later. Sometimes these notices are just procedural, especially with newly married couples filing jointly for the first time.

Have you tried checking the IRS2Go app? Sometimes it shows different information than the website. According to the r/IRS community wiki, the 971 code could mean several different things depending on what other codes appear with it. Do you have any other codes like 570 (refund hold) or 420 (examination/audit) on your transcript?

I just went through this last month! Here's what I learned: • Code 570 = temporary hold on your refund • PATH Act is separate from code 570 issues • Most 570 codes resolve within 21 days • If you see a 971 code after, expect a letter • Many times it resolves automatically without you doing anything Mine cleared after 18 days exactly, and I got my refund 5 days after that. The hold was because they were verifying my W-2 information.

The Transaction Code 570 (Additional Account Action Pending) and PATH Act hold are two separate issues. The PATH Act hold should have resolved after February 15th as mandated by the Protecting Americans from Tax Hikes Act of 2015. Your 570 code is likely related to a verification process or discrepancy in your return. Check the date associated with the 570 code - this indicates when the hold was placed, not when it will be resolved.

Got my Chime deposit this morning! Had 2/22 DDD. SBTPG showed unfunded until late last night. Money appeared in Chime at 4:17am. No notification, just showed up. Check yours!

In my experience helping friends with this exact situation last year, SBTPG typically updates to funded status within 72 hours of your DDD. Since your DDD was 2/22 (Thursday), you're looking at potential funding by Monday/Tuesday. Chime typically releases funds within hours of receiving them from SBTPG. Last year, most people with Thursday DDDs saw deposits hit between Saturday-Tuesday. The unfunded status is completely normal at this point in the process. For future reference, if you need funds by a specific date for school expenses, filing at least 5-6 weeks before that deadline gives you the safest margin.

It might be worth checking if you have access to your IRS online account. In some cases, you can verify your identity directly through the online portal without waiting for a letter. The process is somewhat similar to the ID.me verification, but it's directly through the IRS system. If you're able to create or access your online account, you might see notices or requirements there that don't show up elsewhere. This approach possibly saved me weeks of waiting last year when I had a similar situation.

Been thru this exact mess last yr. Got 4 diff answers from IRS ppl. Here's what worked: I went to my local IRS office (had to make appt online first) and brought ALL my docs - ID, SSN card, tax return copy, etc. The lady there was super helpful and could see everything in their system. Turns out I DID need to verify but the letter was stuck in some queue. She verified me right there in the office and my refund was DD'd exactly 9 days later. No more waiting for letters or calling the 800 number. Sometimes ya just gotta show up in person to get the real deal info.