I had this exact situation last filing season. My transcript updated with DDD of March 15th while WMR was stuck on the first bar. I was caring for my elderly mother and desperately needed the funds for medical expenses. I checked WMR obsessively every few hours, but it never updated past the first bar. The funny thing is, my refund actually deposited on March 15th exactly as the transcript said it would, but WMR still showed the first bar for another 4 days afterward! The transcript is definitely the more reliable indicator in my experience.

OMG this happened to me and everything turned out fine! WMR was stuck on first bar for daaaays but my $$ showed up right on time per my transcript date. Don't stress abt the WMR tool - it's notoriously slow to update. My tax guy says they run different systems that don't sync in real time. Btw, I got my refund exactly at midnight on my DDD date (actually 9pm PST the night before). Bank released it right away. You're good to go! 👍

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.

Got my 846 code last week. Money showed up exactly on date. No delays. Was surprised how accurate it was. Banking with Chase if that helps.

Oh my god I'm in the EXACT same situation and I'm freaking out!! 😫 I filed on February 9th with corrections to my W-2 and NOTHING has happened! I check WMR literally every morning and it's stuck on the first bar. I'm so worried something is wrong with my return! Last year I got my refund in like 2 weeks, but this year it's been almost two months and I'm getting really anxious because I need that money for car repairs. Has anyone had their return just suddenly appear after being stuck for this long? I'm starting to lose hope... 😞

I filed on February 5th and was stuck with no movement until last week. What finally worked for me was calling the IRS Taxpayer Advocate Service instead of the main line. I explained I was experiencing financial hardship waiting for my refund (which was true - needed it for medical bills), and they were able to check on my return status. Turns out my return was flagged for a simple verification that could have been resolved weeks ago if someone had just told me. After that call, my WMR updated within 48 hours. The regular customer service lines are practically useless this time of year.

I'm dealing with this exact issue right now and need to get it resolved ASAP. I filed on Feb 1st and WMR still shows nothing, but I called the IRS yesterday (took 3 hours to get through) and they confirmed my return is actually processing normally. The agent told me there's a known issue with the WMR display for certain returns filed in early February. They said I should expect my refund by next Friday. Don't trust WMR - call them directly to confirm your status if you need that money soon.

Just to clarify what might be happening: The IRS has different systems that don't always sync properly. According to the IRS website (irs.gov/refunds), WMR updates only once every 24 hours, usually overnight. However, many people report that their transcripts update more frequently and accurately than WMR. If you recently changed from ITIN to SSN, or if this is your first filing with permanent resident status, the system might need additional time to process your return. This doesn't necessarily mean there's a problem - just that it's taking longer to verify your information.

Check your bank account routing number. It might be wrong. Serve cards sometimes have issues with government deposits. Call Serve directly. They can see pending deposits. Ask specifically about IRS deposits. They might have additional verification requirements. Their system flags new deposit patterns. Worth a 10-minute call to know for sure.

I've noticed that many people in this community have mentioned that Serve cards sometimes take longer than traditional bank accounts for tax refunds. It seems like they might have some sort of internal processing that adds an extra day or two? I was surprised to learn that even though the IRS says it's sent, there's apparently this whole other system it has to go through with the prepaid card companies. Maybe someone who works in banking could explain why this happens?