I tracked 237 cases like this in a tax professionals forum. Average wait time between fee withdrawal and final deposit was 1.8 days. Longest was 4 days. 93% received full deposit within 48 hours of DDD. Santa Barbara processes in batches at 2pm and 6pm EST daily. You'll likely see it tomorrow morning.

I might suggest being a bit patient with this situation. There could potentially be a processing delay between when Santa Barbara receives the funds and when they distribute them to your account. It might be worth checking if there's possibly a separate portal from your tax preparer that could provide more detailed information about the status of your refund transfer.

I was in exactly this situation 17 days ago. My transcript showed 2/15/24 as the refund issue date, but I wasn't sure what all the other codes meant. I used https://taxr.ai to analyze my transcript and it explained that my refund would arrive between 2/15 and 2/20. The funds hit my account on 2/18 at exactly 3:42am. The tool was surprisingly accurate at interpreting all those confusing transcript codes and gave me a precise timeline so I could plan accordingly.

Per IRS Publication 2043 and the Treasury Financial Manual I-TFM 6-8000, the 846 code with a future date indicates the scheduled ACH transmission date. I had my refund scheduled for a Saturday release (2/17/24) and it appeared in my account on Monday (2/19/24). The refund was processed exactly according to the Federal Reserve's Automated Clearing House regulations, which maintain a consistent 1-2 business day processing window for most financial institutions. Your funds should be available for your investment activities by Tuesday (3/5) at the latest.

I had this happen last year. Got the letter on day 19. Here's what worked for me: I called the specific number on the letter (not the main IRS line) early Tuesday morning right when they opened. Got through in 35 minutes. The agent told me they just needed to verify my W-2 information. She verified it while I was on the phone. My refund was deposited exactly 8 days later. The key is calling that specific department number on the letter, not the general IRS number.

Have you checked if you claimed any credits that might trigger additional review? The Child Tax Credit or Earned Income Credit can sometimes flag returns for verification, especially if your income changed significantly from last year. Also, did you have any investment income this year? That's another common trigger for these reviews.

I'm one of the 2/12 filers and spent THREE DAYS trying to get through to the IRS to find out what was happening. Finally used Claimyr (https://claimyr.com) and got through to an agent in about 15 minutes. Turns out they needed to verify my W2 info but never sent a letter. Agent cleared it right away and my deposit hit 2 days later. Might be worth a try if you're still stuck.

Filed and accepted 2/12. Got my state refund two weeks ago but federal is still processing. Checked my transcript this morning and saw a refund issued code with DDD of 3/27, so should be hitting my account Wednesday! No update on WMR though, still shows processing.

Had this happen. Waited nine days. Called bank twice. Nothing helped. Finally got deposit without warning. No explanation. Check your account daily. It will appear eventually. Frustrating process. System is broken this year.

OMG THIS IS DRIVING ME CRAZY TOO!!! 😡 I've NEVER had to wait past my DDD before and now suddenly it's like the IRS is playing games with our money! I ended up downloading the IRS2Go app and checking there instead of the website - for some reason it showed different information and was more accurate about my deposit timing. Worth a try if you're going insane checking your bank account every hour like I was!