I might be in the minority here, but I would probably wait until the WMR officially updates before spending any significant amount. There's possibly a small chance that the card system is showing a pre-authorization rather than an actual deposit. It's likely fine to use, but without official confirmation from the IRS, there could potentially be issues if something goes wrong with the processing. Just my two cents though - most people seem to have no problems in this situation.

I checked the IRS2Go app yesterday after seeing a similar situation with my refund card showing funds before WMR updated. According to TaxSlayer's support page (https://support.taxslayer.com/hc/en-us/articles/360015704731-Where-s-My-Refund-), the WMR tool only updates once daily, usually overnight. So if your funds hit during the day, you might not see the WMR update until the next morning. My funds were available to use right away despite the WMR lag!

I filed exactly 24 days ago and just got my transcript updated yesterday. It went from completely blank to showing all processing codes at once. My DDD appeared exactly 7 days after the transcript updated. Based on the 2024 processing statistics I've been tracking, about 62% of returns with status changes are taking 30-45 days for initial processing. Has anyone checked if their ex-spouse has already received their refund?

Success story! I was in the same boat - blank transcript, one bar, first time HOH after divorce last year. I waited it out (though it was painful) and my transcript suddenly updated on day 31. Had my refund direct deposited 8 days later. No explanation for the delay, but everything processed correctly. Hang in there!

I filed on February 9th and was in exactly the same situation. My transcript finally updated on March 15th and I received my refund via direct deposit on March 22nd. The whole time I had nothing - no transcript, no updates, no explanation. Then suddenly everything appeared at once. Hang in there - I know it's frustrating when you're counting on that money for bills.

FWIW I filed 2/8 and was stuck in limbo until yesterday. My WMR finally updated to approved and my transcript appeared outta nowhere. No explanation for the delay, no letters, nothing. Just suddenly processed after 6wks. Refund scheduled for DD on 3/29. Seems like a bunch of early Feb returns all got held up for some reason.

OMG I've been tracking this EXACT situation for years! The IRS sends ACH files in batches throughout the day, and Capital One processes incoming ACH transfers overnight! So if your 846 date is on a Monday, there's a really good chance you'll see it Saturday morning because Capital One processes weekend batches! It's so frustrating that banks aren't more transparent about this!!!

Last year I was in the same boat waiting for my refund to buy a new laptop for classes. I ended up just calling Capital One directly and asking about their policy. The rep told me they typically release government deposits when received, which was 1 day early for me. Maybe try that? I literally called while staring at my empty account balance and the rep could see the pending deposit that I couldn't see yet!

Be careful about counting on specific cycle patterns this year. My brother-in-law was 0605 last year and this year, but his experience was completely different. Last year: filed Feb 10, refund Feb 28. This year: filed Feb 8, still waiting with no updates. The IRS is like a box of chocolates this season - you never know what you're gonna get. Better to prepare for delays than count on that money immediately.

I'm a 0605 filer too, submitted on 2/19 and just got my deposit yesterday. Interestingly, my transcript updated on 4/1 with an 846 code dated 4/3. Has anyone else noticed the IRS is giving shorter windows between the 846 code appearing and the actual deposit this year? In previous years wasn't it usually 5-7 days between transcript update and deposit?