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According to IRS Publication 1345 and the PATH Act provisions, returns claiming EITC or ACTC cannot be issued before February 15th of the filing year, regardless of when they were filed. Your state refund timing is consistent with normal state processing, which operates independently of federal refund timelines. Most states do not have equivalent PATH Act restrictions, allowing for faster processing of state returns even when credits are claimed. The federal system is likely still processing your return within their normal 21-day window.
Max Knight
Anyone notice how state refunds seem to be processing faster this year? Is it just me, or have others experienced this too? I wonder if the states have implemented new processing systems while the IRS continues to struggle with their outdated infrastructure. Either way, don't count on your federal refund arriving with the same speed, especially with those credits. The PATH Act delays are real, folks!
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I filed on February 10th and didn't get my refund until March 2nd despite having a DDD of February 28th on my transcript. Called the IRS on March 1st and they said there was a delay with the banking system. WMR is completely useless this year - it never updated past the first bar for me. My advice: stop checking WMR every 5 minutes like I did and just wait for either your transcript to update or the money to hit your account.
Has anyone tried using the IRS2Go app instead of the website? Last year I found it updated slightly faster than the web version of WMR. Also, I've noticed that checking transcripts after the daily update time (usually around 3-4am EST) gives the most accurate information. My wife and I both filed on the same day (2/11), but her refund came through Chime 3 days before mine did through a traditional bank.
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According to IRS Publication 1544, direct deposit refunds are typically processed within 1-3 business days of the designated deposit date. Have you received any notices or letters from the IRS regarding verification of your dependent status? Under Section 152(c) of the tax code, the IRS may require additional documentation for first-time claimants of dependents following a divorce. Has your former spouse also attempted to claim the children?
Liam Mendez
ā¢Good question - when two parents attempt to claim the same dependents, it triggers the IRS's Dependent Database (DDb) verification process, which can delay refunds by 45-60 days even if you're the rightful custodial parent.
Liam Mendez
What you're experiencing is normal with the PATH Act processing timeline. The IRS uses TC 766 for Child Tax Credit issuance and TC 768 for Earned Income Credit. Your deposit date of 2/28 is the scheduled date, but ACH transfers typically take 1-2 business days to complete through the Federal Reserve's payment system. If your WMR shows a DDD, your return has passed all verification stages including the Dependent Database crosscheck. Banks sometimes hold deposits until the actual date even if they receive the funds early. Check your account for pending transactions.
Nia Thompson
ā¢I LOVE how detailed this explanation is! This is exactly the kind of information the IRS should provide instead of making us guess what's happening. My bank always posts IRS deposits at exactly 3am on the DDD, never early, never late.
I think I'm seeing a similar pattern with my refund... the WMR tool shows a date but my bank doesn't show anything pending yet. Maybe it will appear tomorrow morning.
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Yara Nassar
According to the IRS.gov website and multiple tax professional forums, code 846 definitively indicates a scheduled refund. The date associated (2/28 in your case) is when the Treasury will release the funds to your financial institution. As others have mentioned, most banks process these within 1-2 business days, though some make funds available immediately. If you're interested in learning more about transcript codes, the IRS has a manual called the Transaction Codes Pocket Guide that explains each code in detail.
Alice Fleming
Have you tried checking your Account Transcript rather than just the Return Transcript? Sometimes the Account Transcript will show pending actions or TC 570/971 codes that indicate what's happening with your return even when the Return Transcript shows N/A. You can access it through the IRS website under the 'Get Transcript' option.
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Hassan Khoury
Has anyone who filed around 2/15 with mortgage interest deductions (like OP) received their refund yet? I'm wondering if there's a specific delay related to Schedule A deductions this year. My return included exactly $12,463 in mortgage interest and I'm still waiting after 58 days.
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Victoria Stark
ā¢I think it might be related to first-time homeowner status rather than the Schedule A itself. My situation was similar to yours but this is my 3rd year claiming mortgage interest. Last year my return took 21 days, this year it's been 49 days and counting. When I compare our situations to others on this forum, it seems like new homeowners are facing longer reviews.
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Benjamin Kim
ā¢Thanks for bringing this up! I've been tracking patterns in the tax subreddits and noticed the same thing. First-time Schedule A filers seem to be getting extra scrutiny this year. Almost like the IRS has some kind of new verification system in place. š My neighbor and I filed the same week - I've had a mortgage for years (processed in 3 weeks), she's a new homeowner (still waiting after 7 weeks).
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