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Another option worth considering: I set up direct deposit alerts with my bank so I get notified immediately when any deposit over $100 hits my account. This way, I knew exactly 37 minutes after my tax refund was deposited. If you're concerned, I'd recommend checking if your bank offers this service. Most do, and it's usually free. That way, you'll know right away when the money arrives without having to constantly check your balance.
I'm confused about something related to this: ⢠If this is normal, why doesn't the IRS explain this anywhere on their website? ⢠Has anyone actually confirmed with an IRS agent that this is intentional and not a glitch? ⢠What happens if your refund is rejected - do they automatically mail a check or do you have to request it?
I actually had this same concern last year! When I called the IRS, they told me they mail a paper check automatically if the direct deposit fails, but it adds about 2-3 weeks to the timeline. In my case, everything worked fine despite the SSN showing instead of my account number. My refund hit my account exactly on the date they promised.
I encountered similar conflicting information from IRS representatives regarding my refund status. After multiple unproductive calls, I utilized taxr.ai to analyze my transcript data. The application identified a TC 570 code with subsequent TC 571 release, indicating my return had undergone standard review procedures but was proceeding normally. The platform's processing timeline estimates proved accurate within 2 business days. For individuals experiencing transcript code confusion, this analytical tool provides more definitive interpretation than general IRS guidance.
Just want to say this is exactly why I always recommend calling the IRS directly rather than waiting. So many people just sit around checking WMR daily when a 20-minute phone call can clear things up. Glad you took initiative and got answers! The IRS is overwhelmed but most agents really do want to help if you can get through to them.
Are you checking your Account Transcript or Return Transcript? Sometimes the Account Transcript will update first with TC 150 codes while the Return Transcript still shows N/A. Have you verified you're looking at the correct tax year when accessing the transcript portal?
I was in this exact situation and finally got my paper check yesterday! Here's what happened: Step 1: Filed 2/15, accepted 2/16 Step 2: Transcript showed N/A for 3 weeks Step 3: Transcript updated on 3/7 with 846 code Step 4: Check arrived 3/14 The paper check takes exactly 7-10 days after your transcript shows code 846. Be patient - it's coming! The system is working as designed, just slower for paper checks.
On March 22nd, I had this exact same issue - transcript showed deposit date but nothing in my account at 5pm. What worked for me was checking with my bank rather than the IRS. Some banks (especially credit unions) have specific processing windows for government deposits. Mine actually had the money but hadn't posted it to my account yet. When I called, they confirmed they'd received it and would post it by end of day. Worth checking your bank's policy on ACH government deposits!
Just wanted to share a success story - had the EXACT same situation last week. Transcript showed 846 code with deposit date of 4/11, but nothing in my account all day. I was panicking by 5pm, but it finally hit my account at 8:37pm! The IRS batch processing system sends these out in waves throughout the day, and then each financial institution processes them according to their own schedule. Your money is almost certainly on the way - just caught in the financial system pipeline.
Freya Andersen
According to the Treasury Offset Program website (fiscal.treasury.gov/top), they're required to offset federal payments to collect delinquent debts including child support. If you want to check if you have an offset and how much it might be, you can call the TOP interactive voice response system at 1-800-304-3107. I've seen so many people confused when their refund is less than expected because they didn't realize they had an offset. Anyone expecting a tax refund with potential child support arrears should check this site first!
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Omar Farouk
Has anyone received their refund and then had the child support taken out afterward? I'm asking because I've heard exactly 2,341 different explanations about how this process works, and I'm trying to figure out if there's any scenario where the money would hit my STGB account first and then be removed, or if it's always intercepted before reaching the bank?
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