Check the IRS2Go app instead of the website. Sometimes it shows different info. Also try looking up your tax transcript at irs.gov/transcripts - this shows the actual processing status and any adjustments they made. I've seen this happen a lot on r/IRS and other tax forums. Most people who get their refund without WMR updating never have any issues. If you're really concerned, you can create an account on ID.me to access your full tax records.

I'd be careful about assuming everything is fine just because the money arrived. Last year, I received my refund without any WMR updates, but three months later got a notice that they had miscalculated my Child Tax Credit. I had to repay $1,200 plus interest. The IRS systems don't always communicate correctly with each other, especially during peak filing season. I would suggest checking your transcript in about 2-3 weeks to make sure everything is properly recorded. It's possible they processed your return correctly but the WMR system just didn't update, but it's better to verify than assume.

Has anyone had success contacting SBTPG directly about weekend processing? I'm wondering about a few things: • Do they have different processing timelines for different banks? • Is there a cutoff time on Friday for weekend processing? • Do they prioritize certain types of returns? I've seen mixed reports about weekend processing and wondering if there's a pattern we're missing.

Watch out for SBTPG's timing! Last year on April 12th, 2023, my status changed to 'funded' on a Friday afternoon, but the money didn't hit my account until Wednesday, April 17th. Their website claimed 1-2 business days, but it took 3 full business days. If your tuition deadline is coming up soon (like before April 30th), I'd recommend having a backup plan just in case. The timing is never guaranteed, especially this close to the tax deadline when their systems are overloaded.

Unlike stimulus payments which sometimes appeared before any transcript update, regular tax refunds almost always follow a stricter process. I've compared dozens of cases from 2023 vs 2024, and only about 5% of regular refunds arrived before the 846 code appeared. Your bank might show a pending deposit slightly before transcript updates though.

In a specific case I documented from March 2024, a cycle 0705 transcript updated on Thursday at approximately 3am ET with code 846. The associated direct deposit appeared in the taxpayer's account the following Wednesday. Did you verify that you're checking the Account Transcript for tax year 2023, not the Return Transcript? The distinction is crucial for accurate monitoring.

Based on what I've seen across hundreds of cases, here's what typically happens: Blank transcripts for 2-3 weeks is normal, especially for early February filers. Compared to last year, the IRS is actually processing returns about 15% faster, but transcript updates are lagging behind actual processing. Requesting verification this early is similar to what happens when people repeatedly call customer service for a package that's still within the delivery window - it often creates more delay than it solves. If you're at exactly 21 days, give it until at least day 28 before taking action.

I was in this exact same boat last year. Filed Feb 10th, accepted Feb 11th, and transcripts stayed blank until March 8th. I panicked and requested verification on day 23, and honestly regretted it. My sister filed the same day and didn't request verification - she got her refund a week before me. I think the verification request just added unnecessary steps. I was counting on that money for some medical bills and the extra delay was really stressful. If I could do it over, I'd have just waited another week before doing anything.

Just a heads up - the emerald card has different deposit times than regular bank accounts. I got mine at 11:30pm the night BEFORE my DDD. H&R Block releases it as soon as they get it from the IRS, not on the exact DDD date.

Be careful with those emerald cards! Last year my DDD was February 22nd, and I didn't get my refund until March 1st. H&R Block claimed there was a "verification hold" they never told me about. I had to call them 4 times and each representative gave different information. Make sure to check your emerald card account online daily starting from today.