My Bank of America deposit hit exactly 28 hours before my official DDD. My trace number started with 0903 and my deposit was $4,372. It appeared as pending at first for about 6 hours, then fully cleared. I've tracked this for 3 years now and BoA has consistently deposited 1-2 days early for me. If your DDD is 3/18, I'd expect it anytime between now and tomorrow morning at 5am.

OMG I'm with BoA too and my DDD is 3/18 but nothing yet. Srsly stressing bc I've got bills due tmrw. Last yr mine came at like 2am the day before DDD. Anyone know if BoA is experiencing delays? My WMR still says refund approved and my transcript hasn't changed. Ugh, tax season is the worst.

Watch out for 2024 delays. They're worse than last year. I filed January 15. Accepted same day. Cycle 0605 too. Still waiting. Called IRS twice. No help. They just say "still processing." My friend filed February 1. Already got refund. Makes no sense. System seems random. Don't count on refund timing for important expenses. IRS doesn't follow their own timelines.

One thing that hasn't been mentioned yet - have you checked if you have any offsets that could be affecting your refund? Sometimes there are no issues on the transcript but there's an offset for past-due federal debts, state taxes, child support, etc. that can delay processing. You can call the TOP (Treasury Offset Program) at 800-304-3107 to check if you have any offsets. Also, did you claim any recovery rebate credits or anything unusual that might trigger additional review?

FINALLY GOT MY DDD! Filed and accepted 2/19, claimed EIC. Transcript updated overnight with 846 code dated for 3/20. WMR still shows processing though. Check your transcripts people!

I'm starting to get worried. Same boat - filed 2/19 with TurboTax, claimed EIC. Still nothing. Transcript still N/A. WMR just says it's being processed. It's been 30 days now. Should I be concerned?

This happens more than people think. System flags first. Letter comes later. Sometimes letter never comes. IRS systems don't sync properly. Had this last year. Called and verified. No letter ever arrived. Got my refund anyway. Don't just wait.

Be careful with this situation. Back in 2022, I had a similar transcript update but no verification letter. I assumed it was a glitch and did nothing. My return ended up in the error resolution department for 4 months. When I finally reached someone, they told me my verification window had expired and I had to start the process over. If you see verification codes on your transcript, I'd recommend proactively contacting them even without a letter - just make sure you're calling legitimate IRS numbers to avoid scams.

I've seen exactly 1,247 posts about the 826 code in this subreddit over the past 3 years, and I'm always impressed when people give correct information! The 826 is 100% the GOOD code - it means your refund is being issued. The amount shown (let's say it's $3,452) is what your boyfriend is getting, not what's being deducted. His refund should arrive precisely on 3/13 unless his bank processes deposits early. The community wisdom here is solid - if there were deductions or offsets, you'd see entirely different codes like 898 or specific penalty codes in the 600-range.

Instead of trying to interpret transcript codes yourself, have your boyfriend create an online account at IRS.gov if he doesn't already have one. Then go to the Tax Records section and look at the Account Transcript. Scroll all the way to the bottom to see the final account balance. If it shows $0.00, that means the entire refund is being issued. The Transaction Code Summary section will also show the final refund amount. This approach gives you the complete picture rather than trying to interpret individual codes in isolation.