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Last year I timed exactly how long each stage took: - Pending: 4 days - Accepted: 1 day - Processing: 14 days - Approved: 2 days - Refund sent: 1 day Total was exactly 22 days from filing to money in my account. The IRS processes approximately 2.5 million returns per day during peak season, so being stuck at "pending" for 3 days is completely normal. It's when you hit 10+ days at pending that you might want to start investigating.
This timeline breakdown is incredibly helpful! I'm going to save this for reference. It's easy to get anxious when waiting for a refund, especially when you're counting on it for expenses. Appreciate you sharing your exact experience!
Have you checked if your tax software actually completed the transmission? Sometimes there's a final confirmation step you need to take. I've seen people think they filed but the return was actually saved as a draft. Also, what does the message say exactly? Is it "Pending" or "Still Processing"? Those mean different things in the IRS system.
I've analyzed 142 similar cases this season, and your situation follows a predictable pattern. The 2023 transcript "as of" date change to March 22 indicates your return has entered the final verification queue. For weekly cycle taxpayers who filed on February 10th, 78% received completed processing within 42-49 days of filing. Based on current processing metrics, you should see transcript updates between March 23-30, with direct deposit (if selected) occurring 3-5 business days afterward. The lack of a tax topic code on WMR is actually normal during this transitional processing phase and doesn't indicate any issues with your return.
Have you considered what might be happening behind the scenes at the IRS? I was in this exact situation last year - filed mid-February, transcript showed N/A for weeks, and the "as of" date on my previous year's transcript kept changing. Turns out, my return was just going through normal verification channels. The system finally updated on a Thursday night (weekly cycle processing), and my direct deposit hit my account the following Wednesday. The whole process took exactly 46 days from submission to deposit. Isn't it interesting how their internal systems work in such predictable cycles, even when it feels like nothing is happening?
Did you do anything special to make it process faster? Or just wait it out? I'm at day 38 and getting impatient.
I think you should probably wait for the letter, just to be safe. The verification process might be different depending on what they're specifically questioning about your return. Some letters require you to verify online, others by phone, and some might require an in-person appointment. If you call the wrong department, they might not be able to help you anyway. I wouldn't want you to waste time calling around when the letter will have the exact instructions you need.
Be careful with this verification process. On March 14th, I called what I thought was the verification number, but it turned out to be a scam that had been posted online. The real IRS verification line is 800-830-5084, but they will NEVER ask for payment information or gift cards. If anyone asks for that, hang up immediately. The legitimate process should only involve confirming information from your previous tax returns and answering personal questions only you would know.
According to the IRS.gov website under 'Where's My Refund' FAQs (https://www.irs.gov/refunds/frequently-asked-questions-about-refund-timing), most direct deposits are received within 21 days of filing, but the actual bank deposit timing varies. Your transcript showing 3-05-25 means the refund was approved and scheduled for release on that date. The Treasury Financial Management Service then transmits the payment to your bank, which typically takes 1-2 business days. Your bank may then have its own processing time, though most make funds available immediately once received. If you don't see it by 3-08-25, you might want to contact your bank first before contacting the IRS.
Have you tried checking your bank's pending deposits section? Sometimes they show up there before officially posting! π I've found that logging into my bank's actual website (not just the app) sometimes shows pending ACH transfers that aren't visible in the mobile app. Also, if you're really antsy about it, you could set up text alerts for deposits over a certain amount - that way you'll know the exact minute it hits your account without having to refresh constantly like I did last year (seriously, I think I checked 50 times in one day, lol).
Giovanni Rossi
NGL I've been stuck in IRS limbo for weeks now and finally got fed up w/ the constant busy signals. Used Claimyr (https://youtu.be/_kiP6q8DX5c) to get thru to an actual human at the IRS yesterday. Took like 20 mins instead of the 3+ hrs I wasted last week trying to call myself. Agent confirmed my return was just in normal processing queue but flagged for a quick review bc of a math error they fixed. Tbh kinda worried still but at least I know what's happening now instead of just staring at that stupid bar not moving.
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Aaliyah Jackson
Did the agent mention anything about manual review? I was in a similar situation last year and thought everything was fine, but my return actually got pulled for manual review which added 8 weeks to processing! Have you checked if you have any letters in the mail from the IRS? Sometimes they send verification requests that don't show up in the online portal right away. What about your state refund - has that processed yet? Sometimes state delays can indicate federal issues too.
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