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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!
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?
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.
For anyone wondering about the PATH Act timeline, here's what typically happens: 1. File your return (January-April) 2. Return accepted by IRS systems 3. Initial processing begins but pauses if PATH credits claimed 4. After February 15th, processing resumes for PATH returns 5. Verification of income and credits occurs 6. Transcript updates with cycle code 7. WMR updates to approved 8. Direct deposit or check mailed The test batch, if it exists, simply means your return completes steps 3-5 earlier, but step 4 still applies to when funds are released.
I actually did receive my refund yesterday and I filed with EITC on January 24th! My transcript updated last Friday with an 846 code dated for 2/28. I never saw any indication I was in a test batch - my WMR showed processing for weeks, then suddenly changed to approved last weekend. The money showed up exactly on the date shown in my transcript.
Miguel Ortiz
OMG I HATED EzTax with a passion!!! ๐ก Their interface is so clunky and outdated! I switched to TaxSlayer this year and it was like night and day difference. EzTax couldn't properly import my Uber tax summary and I had to manually enter EVERYTHING. Plus they charged me an extra $39.99 for the "gig worker package" that basically just added a few extra forms that should have been included. I was literally yelling at my computer trying to find where to enter certain expenses. Never again!
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Zainab Khalil
I think I might be the only one who had an okay experience with EzTax? It's not amazing or anything, but it got the job done for my DoorDash income. The interface is a bit... old-fashioned, but I managed to figure it out. Just make sure to double-check all your entries because it doesn't have the best error checking. I'm so relieved I'm not the only one trying to figure out the best way to file gig work taxes.
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