I'd be careful about reading too much into these patterns! 😬 The IRS doesn't always follow predictable calendars for processing. While we often try to spot patterns, sometimes what looks like a skipped date is just how their internal batching works. I've seen this happen in previous years too - certain dates seem to get skipped but it doesn't necessarily mean anything is wrong with your return.

Last year I thought I'd cracked the code on IRS deposit dates too... spent hours on tax forums tracking patterns only to have my refund show up on a completely random Tuesday that didn't match any pattern! 😂 My theory is they just roll a 20-sided die at the IRS office to decide when to release our money lol. But seriously, my business return took exactly 47 days last year despite all the pattern-watching I did.

Tbh I've found a diff approach that works better than constant checking. I set up acct transcript alerts thru the IRS site so I get an email when there's an actual update. Then I put a blocker app on my phone that limits my WMR checks to 1x daily. Alt suggestion: join a tax filing group w/ ppl who filed same week as u - u can all update each other when movement happens for ur filing group. This way u get the info w/out the anxiety spiral of constant checking. IMO the worst thing is when u see someone who filed after u getting their $$ first. Gotta remember processing isn't strictly chronological - depends on credits claimed, verification needs, etc.

I might be in the minority here, but I actually managed to overcome my tax refund anxiety from previous years. Last year, I was possibly checking my transcript hourly and driving myself crazy. This year, I set up direct deposit, verified my identity proactively through ID.me, and made sure to file electronically with a reputable service. Then I basically forced myself to only check once per week (Sunday mornings with coffee). The result? My mental health is significantly better, and surprisingly, my refund actually processed a bit faster than last year. I think perhaps the reduced stress helped me file more accurately from the start. The money will come when it comes - our anxiety definitely doesn't speed up the IRS systems!

I might be wrong about this, but I believe the deposit could actually come earlier than the date shown. My experience last year was that the money arrived a day before the official date. Just wanted to mention this so you might keep an eye on your account. Not everyone has the same experience though.

Cycle codes are assigned by IRS processing centers. They indicate weekly processing batches. Code 05 is Thursday. Your 846 code confirms refund approval. DDD of 2/25 means Treasury scheduled payment. Bank policies determine actual deposit timing. Some release early. Others wait for settlement date. Weekend processing varies by institution.

Think of the TurboTax early deposit feature like a weather forecast that predicts rain. They say there's a chance of rain (early deposit) but can't guarantee exactly when or how much. I made the mistake of counting on mine last year for a time-sensitive payment. Even though WMR showed approval with a Thursday date, the money didn't hit until Wednesday - just one day early. Had to scramble to cover a mortgage payment. Better to plan as if you'll get it on the actual IRS date and be pleasantly surprised if it comes earlier.

OMG the stress of waiting for tax refunds is THE WORST! 😫 I've used the TurboTax early deposit feature for three years straight now. First year: got it 4 days early (amazing!). Second year: only 1 day early (disappointing). This year: 3 days early. There's absolutely no consistency! The community wisdom here is don't make firm plans based on getting it early. The IRS date is the only somewhat reliable date. Anything earlier is just a bonus!

Just to clarify what's happening here: Think of the tax refund process like sending a package with tracking. What Navy Federal is seeing is essentially the shipping label being created (the ACH notification), not the actual package being picked up by the carrier (the IRS releasing funds). The IRS sends these notifications to financial institutions as a heads-up, but until the actual settlement date, the funds aren't truly released from Treasury.

Just tried this w/ my CU and it worked! They confirmed my refund is coming 2/26. WMR still shows processing but my CU rep said they can see pending ACH deposits up to 5 days before they hit accts. Thx for the tip OP! Saved me from checking WMR 20x/day lol.