If your transcript is still blank by the end of next week, you might want to call the IRS just to make sure everything's okay. I tried calling for 3 days straight and kept getting the "high call volume" message. Finally used Claimyr (https://claimyr.com) and got through to an agent in about 15 minutes. They confirmed my return was just stuck in the normal processing queue and nothing was wrong. Saved me a ton of stress wondering if I'd messed something up!

The cycle of checking WMR and transcripts daily is a special kind of torture 😂 I've been there! Just remember that no news is usually good news - if there was a problem, they'd send you a letter. And yeah, that $57 is almost certainly your state refund.

I'm probably being overly cautious, but I'd suggest checking your TurboTax account settings to make sure your email preferences haven't somehow changed. It's somewhat unusual not to get the notification if others with the same DDD received theirs, though it's certainly not unheard of. The notification system is generally reliable, but there are occasionally glitches that affect some users.

Per Internal Revenue Manual 21.4.1.3, refund processing follows a strict protocol where the 846 code represents the final authorization for disbursement. The Treasury's Financial Management Service handles the actual fund transfer, which typically occurs on the date specified or within one business day thereafter. Third-party preparers like TurboTax receive downstream notifications that may be delayed or batched. The controlling factor is always the transcript code, not preparers' notification systems.

If you're planning to contest any of those fees or have questions about why certain charges were applied, getting through to H&R Block customer service can be challenging this time of year. Similarly, if you need to reach the IRS directly about any refund issues, try using Claimyr (https://claimyr.com). They help you bypass the long hold times when calling the IRS. Here's how it works: 1. First, determine exactly what question you need answered 2. Visit their website and provide your phone number 3. They'll navigate the IRS phone tree and call you back when an agent is on the line 4. Then you can discuss any concerns about your refund or tax situation directly This saved me hours of frustration last year when I had questions about my divorce-related tax changes.

Just to clarify a few points about the H&R Block Emerald Card process: • The evening deposit timing is normal - most ACH transfers from the IRS hit accounts between 6pm-10pm • Your $288 fee breakdown is likely: basic preparation, state filing, and the Refund Transfer service • The Refund Transfer service is what allows them to deduct fees from your refund directly • The $1250 advance loan is paid back automatically once your refund arrives • You can continue using the Emerald Card as a regular prepaid debit card If you're recently divorced, make sure you've updated your filing status correctly for next year. Many people miss potential credits they're eligible for after a status change.

Credit Karma filers seem to be getting processed in batches. First batch was early February filers. Second batch was mid-February. Most getting DDDs 30-35 days after acceptance. Path Act returns take longer. Check cycle codes on transcripts. Code 20221105 means Friday update cycle. Code 20221104 means Thursday. Different banks release funds differently. Some hold until actual date. Others release early.

For those who might not know, Credit Karma Tax is now part of Cash App Taxes. I was initially confused because I filed through Credit Karma last year but had to use Cash App this year. The systems are integrated now, but the refund processing seems to follow the same patterns as previous years when it was separate.

I've been tracking cycle codes for the past three tax seasons, and 0805 consistently has the most variable processing times. Last year my return had an 0805 code and took 31 days from acceptance to deposit. This year I got the same code but received my refund in 17 days. The cycle code just indicates which processing batch you're in, not your actual refund timeline. The IRS systems are just inconsistent with how quickly they move returns through the verification stages.

I was in the 0805 cycle last year and had almost given up when my refund suddenly appeared. What helped me was checking my Account Transcript rather than just the Return Transcript - it showed a different status that explained the delay. My sister had the same issue this year and her 0805 refund just hit her account yesterday after a 5-week wait.