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.

I think you should be aware that in some cases, they might possibly offset your refund for debts you didn't even know existed. It happened to a friend of mine who had a small SBA disaster loan from Hurricane Sandy that was supposedly forgiven, but apparently wasn't fully processed correctly. The worst part is that sometimes the offset notice might get sent to an old address, so you might not even receive the warning. It could be worth checking with any federal agencies you've ever had dealings with, just to be on the safe side. Better to be prepared than surprised when your refund is smaller than expected.

I work with tax resolution cases and can tell you that the Treasury Offset Program (TOP) can intercept refunds for numerous liabilities beyond just student loans and child support. The most common offset categories by percentage based on my caseload are: - 42% Child support arrearages - 27% Federal student loans - 14% State income tax obligations - 8% Unemployment compensation overpayments - 6% Federal agency non-tax debts (HUD, SBA, USDA, etc.) - 3% Other miscellaneous debts The TOP database is updated every 2 weeks, so checking now doesn't guarantee no offsets later. In my experience handling exactly 372 offset cases last year, approximately 8% of clients had offsets appear after initially checking the TOP line.

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.

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.