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SUCCESS! Filed 2/14, transcript updated today with DDD of 4/9! For anyone still waiting, I highly recommend checking your transcript instead of WMR. My WMR still shows only the first bar, but transcript has all the details including the 846 code with the direct deposit date. According to the r/IRS megathread, most 2/14-2/16 filers are seeing updates this week. Check https://www.irs.gov/individuals/get-transcript if you haven't already!
Let me clarify a few things about SBTPG date changes for everyone: โข The initial date (2/26) is the IRS official direct deposit date โข The updated date (2/25) is when SBTPG has received your funds and is processing them โข Chime users typically see deposits 24-48 hours earlier than traditional banks โข SBTPG must first: - Receive the funds from IRS - Deduct any tax preparation fees - Process the remainder to your bank I understand how stressful this waiting period can be, especially after a divorce when finances are already complicated. The date change is generally a positive sign, but the exact timing of when Chime makes it available can vary throughout the day.
My SBTPG date changed from 2/12 to 2/11 last week, and my Chime deposit hit at 1:42pm on 2/11! Did your WMR status also update to show the refund was sent? And have you checked your transcript to see if there are any codes that might explain the date change? I was checking my bank account literally every hour that day because I was so anxious about it arriving early.
Got mine this morning! Was starting to think the IRS forgot about me or maybe my kids suddenly became tax-ineligible overnight ๐ Seriously though, I was freaking out because I'm counting on it for daycare payment. Checked my account obsessively for days and then BOOM - there it was this morning, a week later than usual. Hang in there, it's probably coming soon!
It's like waiting for water to boil - the more you check, the longer it takes! My payment was delayed last month too, felt like watching paint dry while bills were stacking up. This month was right on time though.
Check for offsets. Child support? Back taxes? Student loans? Government takes these first. Happens automatically. No warning sometimes.
You need to act ASAP if you haven't received it by now! Follow these steps immediately: 1. Log into your IRS account 2. Download your account transcript for 2024 3. Look for code 290 (indicates processing) 4. Check for code 846 (indicates payment sent) 5. If you see code 570, your payment is on hold If you don't see code 846 for April, call the dedicated CTC hotline at 800-908-4184 before 4PM Eastern TODAY. They're closing cases for this payment cycle at end of day!
According to IRS Publication 2043 (IRS Refund Information Guidelines For The Tax Preparation Community), the IRS states that "the IRS issues more than 9 out of 10 refunds in less than 21 days." However, refunds containing Earned Income Tax Credit (EITC) and the Additional Child Tax Credit (ACTC) cannot be issued before mid-February per IRC ยง32(c)(1) as modified by the PATH Act of 2015. For your specific situation with a DDD of 4/17, Treasury Regulation ยง301.6402-2 dictates that the refund must be processed within 24-48 hours of that date, but financial institutions may hold funds according to Federal Reserve Regulation CC.
True. Banks can hold. Not required to release same day. Depends on your bank's policy. Capital One usually posts mine early morning of DDD. Chase sometimes takes an extra day. IRS has done their part once you see code 846.
Pro tip from someone who's been through this anxiety many times: stop checking your bank account! ๐ The refund WILL come, and checking every 15 minutes won't make it arrive any faster. The IRS actually has a pretty good track record with DDDs being accurate within 24-48 hours. I've found that refunds typically hit my account around 3am on the DDD day, but I've seen them come a day later too. Unless you need that money for an emergency today, just pretend you're getting it on Friday and be pleasantly surprised if it comes tomorrow.
Debra Bai
Does anyone know if this applies to amended returns as well? I filed my original return on February 15th but had to submit an amendment on March 10th. Should I expect the same timeline, or does the amendment restart the clock entirely?
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Millie Long
โขWhen you filed your amendment, did you receive any acknowledgment from the IRS? I'm in a similar situation and wondering what to expect.
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KaiEsmeralda
โขI amended my return last year on March 5th after filing the original in February, and it took exactly 16 weeks to process. The IRS says to allow up to 20 weeks for amended returns, and in my experience, they use most of that time.
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Gabriel Freeman
Let me clarify something important about these deposit dates. The DDD on your transcript is the date the IRS releases the funds, not necessarily when you'll see it in your bank account. Depending on your financial institution, it could be same-day or take up to 5 business days. This is different from tax returns filed in January, which often process faster because the volume is lower compared to February filings.
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Samuel Robinson
โขThis is really helpful information! I was wondering why there seemed to be a discrepancy between when people report getting their refunds versus the dates on their transcripts.
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Camila Castillo
โขIf the DDD falls on a weekend, does the IRS release funds on the Friday before or the Monday after? Anyone have experience with this?
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