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OMG the verification process is SO MUCH FASTER if you check your transcript directly instead of WMR! The transcript database updates overnight (usually Tuesday-Thursday between 12am-6am EST), while WMR often lags 24-48 hours behind. I was literally refreshing my transcript hourly after verification and caught my DDD a full two days before WMR updated! Try checking your transcript around 3am - that's when the overnight batch processing typically completes.
Compared to mail verification, which can take 6-8 weeks, online verification is much faster. My sister verified by mail in early February and still hasn't seen movement, while I verified online around the same time as you and got my DDD after 7 business days. Just be careful about checking too frequently - the "Where's My Refund" tool can lock you out after too many attempts in 24 hours. I'd suggest checking transcripts once daily in the morning and WMR no more than once every 24 hours.
I just went through this exact scenario and got my refund yesterday! Here's what happened: ⢠Filed/accepted 1/29 ⢠PATH hold message appeared 2/3 ⢠TT showed payment processed 2/12 ⢠Transcripts still showed N/A until 2/15 ⢠Refund hit my account 2/17 The TT payment processed was definitely the first sign things were moving. Hang in there!
Same experience here! TT payment processed showed up exactly 5 days before my refund. It was like clockwork.
Did either of you have any issues with your Where's My Refund tool during this time? Mine still shows processing even though TT shows payment processed.
Instead of refreshing WMR or transcripts constantly, try checking your bank account for a pending deposit. Many banks show pending deposits 2-3 days before they post, and sometimes this appears before any IRS tools update. Also, if you have the IRS2Go app, sometimes it updates before the website does. Worth trying different approaches rather than just the transcript route.
There's actually a specific technical reason for the 5-day early deposit timeline. The IRS issues a formal Refund Acknowledgment Transaction (RAT) to financial institutions approximately 5 business days before the scheduled Direct Deposit Date. TurboTax's system intercepts this RAT notification and processes an advance based on confirmed funds. Note that this system operates on business days, not calendar days, which can affect weekend deposit timing. Additionally, the TurboTax system places a temporary hold on the account for verification purposes that typically clears within 2-4 hours of initial notification.
Haha this tracks with my experience last year. Got the "your refund is pending" message at like 10am and spent the whole day refreshing my account. Money finally showed up around 2pm. Longest 4 hours of my life when you're waiting for that sweet, sweet refund cash š But seriously, the timing was exactly as described here - 5 business days before my actual DDD.
I filed exactly 31 days ago on February 24th. Got my refund of $3,742 today, March 27th. The Where's My Refund tool updated at 3:45am this morning showing approved, and the money was in my account by 9:30am. My transcript showed code 846 with date 3/27 last Saturday.
If anyone's still waiting and feeling anxious, I recommend checking your account transcript instead of the Where's My Refund tool. It usually updates with more detailed information about your return status. You might feel worried seeing all those codes, but they can actually tell you more about what's happening with your return.
Mia Alvarez
I've been filing taxes for over 15 years now, and this DDD vs. actual deposit date confusion happens every single tax season. Back in 2019, I got my refund 2 days early. In 2020, it was exactly on the DDD. Last year, one day early. This year, right on the DDD again. Same bank throughout. I've come to believe there are multiple factors at play - not just your bank's policy, but also the Treasury's batch processing schedule, the day of the week your DDD falls on, and possibly even random variation in processing loads. The system isn't perfectly consistent year to year.
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Anthony Young
ā¢Thank you for sharing your experience across multiple years! That's super helpful to see the variation even with the same bank. Makes me feel better about not being able to perfectly predict it.
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Ella Thompson
ā¢I appreciate this historical perspective. It aligns with what I've observed in my research as well.
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Carter Holmes
I was in EXACTLY the same situation with a DDD of 3/13/2024. My transcript showed cycle code 20240905 with the 846 refund issued code. My refund hit my account precisely at 3:14am on 3/13 - not a minute before. I've tracked this for three years now since I'm always counting on that money for spring expenses. My credit union has never once released my tax refund early, though they do release my paycheck a day early. Different ACH codes are handled differently by financial institutions. The Treasury uses a specific ACH code (XXX) for tax refunds that some banks treat differently than regular direct deposits.
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