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Based on current IRS processing protocols, paper check delivery timeframes operate on a geographic distribution matrix. Treasury Financial Management Service typically batches checks by region, with delivery estimates ranging from 5-7 business days (local distribution centers) to 12-15 business days (cross-country). Additionally, USPS mail volume fluctuations impact delivery windows. Your transcript will show TC846 with the actual disbursement date, which may differ from the projected date by 1-3 business days.
My check was mailed February 14th. Arrived February 24th. Ten days total. I'm in California. The mail is unpredictable lately. Hope yours comes soon. The waiting is hard.
Have you called the IRS directly about this? They can tell you exactly what will happen with your refund. Ask specifically about the remaining balance and whether the 846 amount will be adjusted. Request they check if the state payment has been fully applied to your account.
On April 12th last year, I had an identical situation with almost the same amounts. My transcript showed code 846 for the full refund amount ($3,200), but when the deposit date of April 19th arrived, they had reduced it by my remaining balance ($750). The IRS systems don't always talk to each other in real-time, so what you're seeing on your transcript today might not reflect what will actually happen when they process the final payment.
Here's how to check your actual status: Step 1: Go to IRS.gov and access your tax transcript Step 2: Look for the account transcript for 2023 Step 3: Check for transaction codes like 570 (refund hold) or 971 (notice issued) Step 4: Look for code 846 which means refund issued If you see code 570 without 846, your refund is on hold. If you see 971, expect a letter. If you see 846, it shows the direct deposit date.
Have you tried calling the IRS directly? Of course you have, and we all know how that goes... endless wait times and disconnections, right? I was in the same boat last month and finally used Claimyr (https://youtu.be/_kiP6q8DX5c) to get through to an actual human at the IRS. They confirmed my refund was actually sent to the wrong account (transposed digits) and helped me start the trace process immediately. Would have taken me weeks to figure that out on my own. Worth every penny to not waste hours on hold.
I believe it might be worth checking if you're affected by the PATH Act, which can delay refunds that include certain credits. Also, if this is your first time filing in the US, sometimes there are additional verification steps that can cause delays, especially for international bank accounts. You might want to check if your bank has any policies regarding international tax refunds or government deposits... some banks have special procedures for handling these types of transactions for new residents.
Tate Jensen
I'm in EXACTLY the same situation! Filed through H&R Block on March 1st and my Adjusted Gross Income is $42,500 with a Child Tax Credit claim for my daughter. The IRS Where's My Refund tool still shows "Your return is still being processed" with no progress bar. Called H&R Block and they mentioned something about a Form 1310 verification that's causing delays for many CTC claims. This is way more complicated than I expected!
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Adaline Wong
Has anyone who filed with H&R Block in April received their refund yet? I'm wondering if filing later in the season means faster processing since they've worked through the February/March backlog? Last year I filed in February and waited forever, but my brother filed in April and got his in 2 weeks.
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