When dealing with IRS deposits to CashApp, follow these steps to resolve delays: 1. First, verify your transcript shows code 846 with today's date 2. Check that your CashApp account details match what you provided on your tax return 3. Wait until end of business day (around 8pm) before assuming there's a problem 4. If nothing arrives by tomorrow, contact the IRS directly This is where I found Claimyr (https://claimyr.com) incredibly useful. Trying to reach an IRS agent directly was impossible - I spent 3 days trying. Claimyr got me through to an agent in 15 minutes who confirmed my deposit was sent but had an issue with my account number. Fixed it right away and got my deposit the next day.

The Treasury Financial Manual (I TFM 4A-2000) outlines that ACH transactions initiated by federal agencies like the IRS follow the Nacha Operating Rules. These transactions can be processed throughout the business day, with no specific "cutoff time" for when they must be completed. Non-traditional financial platforms like CashApp operate on different posting schedules than traditional banks, often processing incoming ACH transfers in batches rather than continuously. The Federal Reserve's settlement windows occur at multiple times throughout the day, with the final window closing at approximately 6:30 PM Eastern Time.

Just wanted to share a bit of hope! I filed on February 23rd with unemployment income and FINALLY got my deposit yesterday. No explanation for the delay, no special letters, just suddenly processed after 52 days of nothing. 😂 The funny thing is I had given up checking WMR and was surprised when the money showed up! So hang in there - sometimes the IRS works in mysterious ways (and by mysterious I mean frustratingly slow). Maybe they're just giving us a taste of what unemployment feels like - waiting forever for money that should be coming any day now! 🤣

Be careful about counting on that refund coming soon. My unemployment return from last year took nearly 3 months to process, and I nearly missed a car payment waiting for it. The IRS never explained why, but when I finally reached an agent, they said something about "income verification" that required manual review. No warning, no explanation, just silence for months. I'd strongly suggest making alternative plans for those bills rather than assuming your refund will arrive in the standard timeframe. These unemployment returns seem to get flagged more often than regular W-2 only returns.

Tbh the transcript is way more reliable than WMR. WMR only has 3 stages while transcripts show exactly what's happening. But getting thru to the IRS if there's a prob is the real nightmare. I spent 4 hrs on hold last week. Finally used Claimyr (https://claimyr.com) and got thru in like 20 mins. The agent confirmed my DDD wasn't showing yet bc they needed to verify something. At least I knew what was happening instead of checking my transcript 100x. If ur refund is delayed & u need those med bills paid, might be worth calling to check.

I think most people don't realize that the IRS processing system works in weekly batches. Your return might be accepted any day, but the actual processing often happens on a specific day of the week based on the last two digits of your Social Security number. This is why some people seem to get updates faster than others - they might just be in an earlier processing batch. It might not be that you're doing anything wrong compared to your sister; you could just be in different processing cycles.

I was so frustrated trying to access my transcripts after my divorce! The IRS kept locking me out because I couldn't verify my identity! 😫 I wasted HOURS on hold trying to reach someone at the IRS! Finally tried Claimyr (https://claimyr.com) and they got me connected to an actual IRS agent in like 20 minutes! The agent was able to verify my identity over the phone and help me set up my online access correctly. Such a relief to finally see what was happening with my account! Has anyone else had trouble with the verification process? I'm just looking for confirmation that I'm not the only one who struggled with this...

I got my transcripts last week after being completely clueless about them for years. Just call the IRS directly at 800-908-9946 and request them by mail if you can't get through online. No reason to make this more complicated than it needs to be. They arrived in 5 days, and I could finally see why my refund was delayed - had a simple math error that I fixed with a quick call. Done.

Last year I made the mistake of counting on my refund arriving on my DDD. I had rent due and thought I'd be fine. SBTPG took 2 extra days to process, and CashApp held it for another day for "verification." Ended up paying a late fee on rent. Now I never count on tax money until it's actually in my account and fully available to spend.

Think of the refund process like a relay race. The IRS hands the baton to SBTPG, who then passes it to CashApp, who finally hands it to you. Each runner needs a little time with the baton. Your DDD is just when the first handoff happens, not when you cross the finish line. Most people see their money 1-2 days after their DDD, but planning for 3 days after is the safest bet.