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.

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).

I worked a seasonal job with a tax preparation company. We saw this pattern frequently. State verification rarely triggers federal verification. They use different security systems. Most people who verify for state sail through federal processing without issues. Your transcript showing processing without 570/971 codes is a good sign. You'll likely see your refund soon.

Under IRS Publication 5027, identity verification requirements are specifically tied to the Taxpayer Protection Program (TPP). Does anyone know if the TPP flags are shared between state and federal systems? Or do they maintain completely separate risk assessment protocols?

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.

Try checking transcript at night. IRS systems update overnight. Different databases. WMR updates first. Transcript updates later. Normal process. Check account transcript. Not return transcript. Different information. Be patient. Peak filing season creates delays. Independent contractors often face additional verification. Nothing to worry about yet.

Last year I had the same thing happen - accepted February 12th, WMR said processing, but transcript showed nothing for weeks. I kept checking daily and driving myself crazy! Then I learned about cycle codes and processing patterns. Turns out my return got stuck in the identity verification queue even though I never got a letter. When I finally called on day 35, they asked me to verify my identity and then processed my return within 48 hours. The lesson I learned is that sometimes there ARE issues that need addressing but the IRS notification system doesn't always work properly.