I'm not convinced cycle codes matter that much anymore. In 2022, I was supposedly on a weekly cycle (code 03), but my refund processed on a Tuesday. Then in 2023, I had the same cycle code but got my refund on a Friday. This year, my transcript updated on a random Wednesday despite being code 03 again. The IRS systems have been so overloaded since COVID that I think their processing schedules aren't as rigid as they once were.

Tbh the cycle codes DO still matter, but the IRS systems are more flexible now. Weekly cycles (03/07) still mostly update Thurs night/Fri morning, but sometimes there are exceptions. Daily cycles can update any day. The key diff is that weekly filers usually get their $$ exactly 1 week after transcript updates, while daily can be 3-5 days. Don't stress too much - once ur transcripts update, you'll know for sure. Most ppl stay on same cycle yr to yr unless something major changes in their tax situation.

I was hesitant to share this, but after struggling with transcript access for weeks, I finally got in by doing a complete browser reset. I think my saved cookies were causing conflicts with their new system. Once I could see my transcript, I noticed my amended return had been received but was sitting in processing. I called the IRS and they told me there was a simple error they needed to fix. Within 2 weeks after that call, my amended return was processed and I received my additional refund. Sometimes you just need to get a human on the phone.

Have you tried accessing your transcript through the IRS2Go app instead of the website? Sometimes that works when the website is giving problems. Also, what's the reason you need to see your transcript? If you're just checking refund status for a regular return, the Where's My Refund tool might be easier. But if you filed an amended return, you'd need to use the Where's My Amended Return tool instead. Transcripts are most useful when you need to see specific codes or if you're trying to figure out why there's a delay.

I had this exact problem last week. Filed on Jan 25th, TurboTax said accepted same day, got my advance from Credit Karma too. My transcript showed nothing until Feb 2nd. Then suddenly everything appeared at once. My actual direct deposit came on Feb 5th. The IRS systems are just slow to update their transcript database during peak filing season.

The IRS started accepting returns on January 29th. If you filed before that date, TurboTax held your return. It might have only been transmitted on the 29th. Add 5-7 business days for processing. Your transcript should update by February 7th. If not, then start worrying. The advance from Credit Karma is based on TurboTax's assessment, not the IRS.

I had this happen. Check your Return transcript. Not Account transcript. Return transcript shows what you claimed. Account transcript shows what IRS processed. Big difference. Many people look at wrong one. PATH Act delays are normal. Nothing to worry about yet.

Oh my gosh, I freaked out about this EXACT thing last month! 😱 I was checking my account transcript and saw NOTHING about my child tax credit! I was so upset thinking they denied my credits! Then someone told me to check my RETURN transcript instead of my ACCOUNT transcript and there it was - all my claimed credits listed! The account transcript won't show the credits until they finish processing your return. I was stressing for nothing! 😅

Have you checked if your bank processes government deposits differently than regular ones? Some banks make government deposits available immediately while others hold them for a day or two, don't they? And what about weekends - does March 14th fall on a weekend this year? If it does, wouldn't that push your deposit to the following Monday? I'd recommend calling your bank to ask about their specific policies for IRS direct deposits, wouldn't that give you more peace of mind?

I've been through this many times, and here's what I've learned about code 846: • It's 99% reliable as your deposit date • Some banks release funds early (Capital One and Chime often do) • Most major banks deposit exactly on the date shown • Credit unions can vary widely in processing time • If you filed with a tax preparer who takes fees from your refund, add 1-2 days • The "Where's My Refund" tool typically updates to "Approved" status within 24 hours of the 846 code appearing For medical bills, if you absolutely need the money by a certain date, call the medical billing office. Many will hold off on collections if you can prove the refund is coming (screenshot of transcript).