I understand how frustrating the IRS phone system can be. I've had success using Claimyr to get through to an IRS representative quickly. Here's what you need to know: • Claimyr is a service that navigates the IRS phone system for you • It holds your place in line so you don't have to listen to the hold music • They call you back when an agent is available • It works with the main IRS number and several specialized departments • Particularly helpful during tax season when wait times are longest It saved me from spending hours on hold last month when I needed to verify some information about my return. Given your international status, getting through to the right department is especially important.

Isn't it ridiculous that we have to jump through so many hoops just to talk to someone about our taxes? After trying for three weeks straight, I finally managed to speak with an agent by calling exactly at 7:00 AM Eastern when they open. The trick was using my landline rather than my cell phone - don't ask me why that worked, but the agent told me their system sometimes prioritizes landline calls due to how their call routing infrastructure was designed. My issue was resolved in 15 minutes after spending 21+ hours trying to get through. Worth trying if you have access to a landline.

Just got my state refund today after waiting a month longer than federal! It's like waiting for a bus - you stand there forever and then two show up at once. Except in this case, the federal bus came on schedule and the state bus was stuck in traffic. My federal hit my account exactly 18 days after filing, but state took 47 days. The money finally arrived just in time for my quarterly estimated payment deadline, which was cutting it close!

Be careful with assuming everything is fine just because it's common this year. While it's true that many people are experiencing federal before state, here's what you should watch for: 1. First, check if your state return was actually accepted - not just submitted 2. Next, verify that your state has your correct banking information if you chose direct deposit 3. Then, review your state's tax agency website for any notices about processing delays 4. Finally, if it's been more than 8 weeks, you should definitely contact your state tax agency I've seen cases where people assumed delays were normal when actually there was an issue requiring attention. Don't just wait indefinitely.

I see this pattern frequently and understand how concerning it can be when you're waiting for your refund. Here's what these codes typically mean: • Code 570: Additional account action pending (temporary hold) • Code 971: Notice issued (they're sending you a letter) I recommend using taxr.ai to analyze your full transcript. It helped me understand: • The specific cycle date on my transcript • What each code meant for MY specific situation • The likely next steps based on pattern recognition • A predicted resolution timeline The free analysis saved me hours of anxiety and research. Their system identified that my 570/971 combination was just a verification hold that would resolve automatically.

These codes appear in different scenarios with very different outcomes. I've seen 570/971 combinations that resolved in a week with no action needed, while others required extensive documentation and took months. The broader context matters - if you claimed refundable credits like EIC or CTC, you're more likely to need verification. If you've had identity theft issues in the past, that could trigger additional scrutiny. Compared to previous filing seasons, the IRS is implementing stricter verification protocols this year to combat fraud, so these codes are appearing more frequently than in 2022-2023.

MCU is notoriously slow w/ govt deposits IMO. Been banking w/ them for 5+ yrs and every single tax season it's the same story. They take AT LEAST 2-3 biz days longer than most banks. My cousin has Chase and always gets hers same day IRS releases it. MCU claims they have a "verification process" for large deposits but tbh I think their systems are just outdated AF. Pro tip: call the IRS (good luck lol) and ask for the exact date they sent it. Then add 3-5 biz days for MCU. That's ur real DD date.

Think of MCU like that friend who's always late to everything - they'll get there eventually, just on their own schedule! I've banked with them for tax refunds the last three years, and it's always 3-4 business days after the IRS deposit date shown on my transcript. It's like the difference between shipping with FedEx (big banks) versus media mail (MCU). The package gets there either way, just at different speeds. If your transcript shows a deposit date within the last week, I wouldn't worry yet - MCU is just doing their thing.

My transcript updated exactly 6 days before my refund hit my account. WMR updated only 2 days before the deposit. My transcript showed an 846 code dated 4/05/2024 and the money appeared in my account on that exact date at 3:27am. Has anyone else noticed this precise timing with their deposits this year?

Just to clarify - if your transcript shows an 846 code with a date, that's your refund date. WMR is notoriously behind on updates. Last year I got my refund a full week before WMR even acknowledged it was sent! Transcript is the source of truth.