Tbh this happens way more than TT admits. Had a client last yr whose entire Sch C got mangled during upload. Fed accepted it (which was worse!) and we didn't catch it til months later. My advice: always ALWAYS download the final PDF after filing and compare it line by line w/ your actual docs. Waiting for fed rejection is like waiting for a time bomb - just fix it now and save the headache.

Another option worth considering is to file a superseding return rather than an amended return if the April 15 deadline hasn't passed. According to the IRS website (https://www.irs.gov/faqs/irs-procedures/amended-returns/amended-return-frequently-asked-questions), a superseding return completely replaces the original return and is treated as the original filing. This avoids the longer processing time of an amended return and prevents potential penalties for the incorrect information.

Word of caution from someone who's been there - don't wait until the last minute with this. Back in 2022, I needed my transcript for a student loan application and thought I could just quickly download it. My credit was frozen (which I'd forgotten about), and that blocked the ID.me verification. Had to thaw the credit, wait 24 hours, then try again. By then, I'd missed my deadline and had to pay a late application fee. The transcript system works great when everything aligns, but have a backup plan for your mortgage application just in case.

Isn't it amazing how something that should be simple becomes so complicated? I was in your exact situation last month with a mortgage refinance. After trying the online method and getting stuck in verification loops, I called the dedicated transcript line at 7:00 AM exactly when they opened. Got through in 15 minutes, and the agent faxed my transcript directly to my mortgage broker. Would you believe they received it before I even hung up the phone? Sometimes the old-fashioned method works better than fighting with the online system. Worth trying if you're really in a time crunch.

Compared to my previous returns with EIC, my non-EIC return this year processed dramatically faster. While my EIC returns typically took 25-30 days even after the PATH Act hold lifted, my current return took just 9 days from acceptance to direct deposit. Without code 768, your return bypasses the special compliance review process that EIC returns undergo. It's such a relief not having to deal with that extra waiting period! Your processing should be significantly quicker than the standard 21 days, assuming there are no other review codes on your transcript.

YES! You absolutely will process faster! I'm a tax preparer and I'm seeing non-EIC returns processing in 7-14 days consistently this season while EIC returns are taking 21-30 days minimum. The 21-day guideline is the IRS's way of managing expectations, but without refundable credits, you're on the fast track! So excited for you to get your refund sooner than expected! Just keep checking your transcript for the 846 refund issued code - that's when the money is on its way!

There are actually several solutions to this problem: • Use exactly $0 as your prior year AGI (no decimal points) • Check for a specific "did not file last year" option in your software • Create an account on IRS.gov which requires identity verification but bypasses AGI issues • Request an Identity Protection PIN through the IRS website • File by paper as a last resort I've helped dozens of clients with this exact issue. Most software has a specific way to handle non-filers from the previous year.

I've been there. It's frustrating. Try another software. Some handle this better. I used FreeTaxUSA last year. It worked fine. They have a specific option. Don't panic. Paper filing is always an option. Just mail it in. Takes longer for refunds though. Worth trying online options first.

According to the Internal Revenue Manual (IRM) section 21.4.1, once a return has been accepted for processing with direct deposit information, the payment method cannot be altered through customer service channels. The Electronic Federal Tax Payment System (EFTPS) locks payment parameters after initial processing stage. However, there are two specific scenarios to be aware of: 1. If the financial institution rejects the direct deposit (closed account, incorrect routing number), the IRS automatically converts to paper check issuance. 2. If you're concerned about tax offset intercepts (where the Treasury Offset Program might take part of your refund for outstanding debts), changing to paper check would not prevent this as TPO intercepts occur before disbursement method is executed. Your best course of action is to ensure your banking information is correct and active, or alternatively, allow the direct deposit to fail naturally if you prefer a paper check.

Just to clarify something I'm seeing in the other comments - when people say "accepted" they're usually referring to two different things that get confused a lot. Your return being "accepted" by the IRS just means they received it and it passed the initial checks. It doesn't mean the review process has finished. So while it's true you can't change the direct deposit info now (unless you want to file an amended return, which would delay things by months... not worth it! 😅), you're still probably a couple weeks away from the actual deposit happening if you're on PATH. The PATH Act holds certain refunds until at least February 15th, so they're just now starting to release those funds for qualifying returns.