Have you checked if your refund status changed on the Where's My Refund tool? It's like a pizza tracker for your money - when they switch from direct deposit to check, it usually updates there first. Also, is the address on your 2023 tax return 100% current? The post office is like a game of telephone - one small error and your check could end up in refund limbo.

Here's what you should do in this situation: 1. Get your tax transcript from IRS.gov 2. Look for code 846 with a date - that's when your check was issued 3. Register for Informed Delivery with USPS to see scans of mail coming to you 4. If you don't receive it within 4 weeks of the 846 date, call IRS to initiate a refund trace 5. If they confirm it wasn't cashed, they'll reissue it The 10-week timeline is their maximum estimate, not typical delivery time. Most checks arrive within 2-4 weeks after being issued.

Be cautious about bank processing times even after you have a DDD. Some financial institutions hold IRS deposits for 1-2 business days before releasing funds to your account. Additionally, if you had tax preparation fees deducted from your refund through a Refund Transfer product, this can add additional processing time. I've seen cases where people expected their money on their DDD but didn't account for these additional processing steps.

I filed on February 3rd and just checked my transcript after seeing your post - finally updated with a DDD of March 1st too! My transcript had been N/A until today as well. Last year I filed on January 28th, 2023 and didn't receive my refund until March 15th, 2023, so this is actually faster than last year for me. The IRS seems to be moving through the early February filers now.

Are you checking your transcript or just WMR? Transcript will update with codes that show what's happening before WMR changes. Look for code 570 (hold) followed by 571 (release) and then 846 (refund issued).

I had this exact situation and waited 2 months with no updates. Finally used Claimyr.com to get through to an actual IRS agent (https://youtu.be/_kiP6q8DX5c) instead of wasting hours on hold. The agent confirmed they were adjusting my return and gave me an exact timeline. Refund hit my account the next week. Sometimes you just need to talk to a human who can see what's actually happening with your specific return.

File 2022 separately. No amendments needed. Each tax year stands alone. Use tax software that handles prior years. Print and mail if necessary. Include your notice number. Keep copies of everything. Expect 6-8 weeks processing time. Your 2023 refund will be released after 2022 is processed. No further action needed typically.

I just went through this! The process is actually pretty straightforward: • You need to file 2022 as a completely separate return • You CANNOT amend your 2023 return to include 2022 information • The IRS processes each tax year independently • Once your 2022 return is processed, they should automatically release your 2023 refund • You might need to pay a late filing penalty for 2022, even if you're due a refund I had no idea the IRS automatically held current refunds for unfiled prior years! The tax system is way more interconnected than I realized.

Think of SBTPG like a toll bridge between the IRS and your Credit Karma account. The "funded" status means your money has arrived at the toll booth, but still needs to pay the fee and cross the bridge. In my experience with Credit Karma deposits, they typically arrive 1-2 days after showing as "funded" in the SBTPG portal. Sometimes this means you get it a day early, sometimes right on the projected date. It's like ordering a package that says "out for delivery" - it's close, but not quite in your hands yet. The good news is that once SBTPG shows funded, you're in the final stage of the process and should see your money very soon.

Be careful with timing expectations. On March 15th, 2024, my SBTPG portal showed "funded" but the money didn't appear in my Credit Karma account until March 18th. This caused me to miss a payment deadline on March 17th because I was counting on having those funds available. The specific dates matter because SBTPG doesn't process on weekends, so if your "funded" status appears on Friday, you likely won't see the deposit until Monday or Tuesday. I'd strongly recommend not making any critical financial plans based on the assumption that you'll receive the funds before the official deposit date, even if many people report getting it early.