I had this exact problem last week. Filed on Jan 25th, TurboTax said accepted same day, got my advance from Credit Karma too. My transcript showed nothing until Feb 2nd. Then suddenly everything appeared at once. My actual direct deposit came on Feb 5th. The IRS systems are just slow to update their transcript database during peak filing season.

The IRS started accepting returns on January 29th. If you filed before that date, TurboTax held your return. It might have only been transmitted on the 29th. Add 5-7 business days for processing. Your transcript should update by February 7th. If not, then start worrying. The advance from Credit Karma is based on TurboTax's assessment, not the IRS.

Have you checked if your bank processes government deposits differently than regular ones? Some banks make government deposits available immediately while others hold them for a day or two, don't they? And what about weekends - does March 14th fall on a weekend this year? If it does, wouldn't that push your deposit to the following Monday? I'd recommend calling your bank to ask about their specific policies for IRS direct deposits, wouldn't that give you more peace of mind?

I've been through this many times, and here's what I've learned about code 846: • It's 99% reliable as your deposit date • Some banks release funds early (Capital One and Chime often do) • Most major banks deposit exactly on the date shown • Credit unions can vary widely in processing time • If you filed with a tax preparer who takes fees from your refund, add 1-2 days • The "Where's My Refund" tool typically updates to "Approved" status within 24 hours of the 846 code appearing For medical bills, if you absolutely need the money by a certain date, call the medical billing office. Many will hold off on collections if you can prove the refund is coming (screenshot of transcript).

Word of caution from someone who's been there - don't wait until the last minute with this. Back in 2022, I needed my transcript for a student loan application and thought I could just quickly download it. My credit was frozen (which I'd forgotten about), and that blocked the ID.me verification. Had to thaw the credit, wait 24 hours, then try again. By then, I'd missed my deadline and had to pay a late application fee. The transcript system works great when everything aligns, but have a backup plan for your mortgage application just in case.

Isn't it amazing how something that should be simple becomes so complicated? I was in your exact situation last month with a mortgage refinance. After trying the online method and getting stuck in verification loops, I called the dedicated transcript line at 7:00 AM exactly when they opened. Got through in 15 minutes, and the agent faxed my transcript directly to my mortgage broker. Would you believe they received it before I even hung up the phone? Sometimes the old-fashioned method works better than fighting with the online system. Worth trying if you're really in a time crunch.

There are actually several solutions to this problem: • Use exactly $0 as your prior year AGI (no decimal points) • Check for a specific "did not file last year" option in your software • Create an account on IRS.gov which requires identity verification but bypasses AGI issues • Request an Identity Protection PIN through the IRS website • File by paper as a last resort I've helped dozens of clients with this exact issue. Most software has a specific way to handle non-filers from the previous year.

I've been there. It's frustrating. Try another software. Some handle this better. I used FreeTaxUSA last year. It worked fine. They have a specific option. Don't panic. Paper filing is always an option. Just mail it in. Takes longer for refunds though. Worth trying online options first.

According to the Internal Revenue Manual (IRM) section 21.4.1, once a return has been accepted for processing with direct deposit information, the payment method cannot be altered through customer service channels. The Electronic Federal Tax Payment System (EFTPS) locks payment parameters after initial processing stage. However, there are two specific scenarios to be aware of: 1. If the financial institution rejects the direct deposit (closed account, incorrect routing number), the IRS automatically converts to paper check issuance. 2. If you're concerned about tax offset intercepts (where the Treasury Offset Program might take part of your refund for outstanding debts), changing to paper check would not prevent this as TPO intercepts occur before disbursement method is executed. Your best course of action is to ensure your banking information is correct and active, or alternatively, allow the direct deposit to fail naturally if you prefer a paper check.

Just to clarify something I'm seeing in the other comments - when people say "accepted" they're usually referring to two different things that get confused a lot. Your return being "accepted" by the IRS just means they received it and it passed the initial checks. It doesn't mean the review process has finished. So while it's true you can't change the direct deposit info now (unless you want to file an amended return, which would delay things by months... not worth it! 😅), you're still probably a couple weeks away from the actual deposit happening if you're on PATH. The PATH Act holds certain refunds until at least February 15th, so they're just now starting to release those funds for qualifying returns.