If you want to understand exactly what happened with your refund processing, you might want to check out taxr.ai - it analyzes your transcript and explains all those confusing codes. I used it this year and it showed me exactly why my refund was delayed (had a simple math error they fixed) and when it would be deposited. The prediction was spot on!

Pro tip: once your refund hits GreenDot, transfer it immediately to your regular bank account if you have one. Their cards can sometimes have random holds or verification issues if you try to make large purchases.

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'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.

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.

Be careful about checking too frequently. According to IRM 21.2.3-5, the IRS systems can temporarily lock you out if you check more than 5 times in 24 hours. I learned this the hard way last year when I got anxious about my refund and kept refreshing. Got locked out for 48 hours and missed the exact moment my transcript updated. What a relief when I could finally access it again and saw my refund was scheduled!

Has anyone tracked exactly how many days it takes for a transcript to show after e-filing? My data from tracking 6 different tax years shows an average of 8.3 days from acceptance to first transcript appearance, with a standard deviation of 2.4 days. Just wondering if that's consistent with what others are seeing in 2024.