I just called FreeTaxUSA support about this exact issue. They told me there's a way to handle multiple localities even though the interface makes it seem impossible. After you enter your W-2 with the first locality, save it and go back to your W-2 list. Then click on "Edit" for that W-2, and you should see an option at the bottom for "Add another local tax withholding." It's super easy to miss, but it's there!

Great to see this got resolved! For anyone else dealing with similar multi-city tax situations, I'd also recommend double-checking your final tax calculations before submitting. Even when you enter multiple localities correctly in FreeTaxUSA, sometimes the software doesn't automatically apply available credits for taxes paid to multiple jurisdictions. I learned this the hard way last year - I was entitled to a credit for paying duplicate local taxes but had to manually add it in the "Other Credits" section. Your city tax departments (if you can reach them) or a local tax preparer can help verify if you qualify for any credits to avoid overpaying. The multiple locality feature in FreeTaxUSA works well once you find it, but it's definitely one of those hidden features that should be more prominent in the interface!

I'm also with Navy Federal and filed around the same time as you! The waiting is definitely nerve-wracking. From my experience and what I've seen from other Navy Fed members here, I'd recommend checking your IRS transcript online at irs.gov/individuals/get-transcript rather than just relying on WMR. Look for transaction code 846 - that will show your actual direct deposit date even when WMR is still stuck on "processing." Navy Fed typically posts IRS refunds right at midnight EST on the scheduled date, and they're pretty good about showing pending deposits 1-2 days ahead of time. The WMR tool has been notoriously unreliable this tax season, but the transcript data is usually spot-on. Also, if you're expecting a larger refund (over $3-4K), consider giving Navy Fed a quick heads-up call about the incoming Treasury deposit to avoid any potential fraud alerts. Hang in there - once the IRS releases your refund, Navy Fed handles their end really well!

Navy Federal member here! I'm in the same exact situation - filed about 2 weeks ago and WMR has been showing "still processing" the entire time. It's so frustrating when you need that money! From my experience and what I've learned from other members here, definitely check your IRS transcript online at irs.gov/individuals/get-transcript instead of relying on WMR. Look for transaction code 846 which will show your actual direct deposit date even when WMR hasn't updated. Navy Fed is usually really reliable about posting IRS refunds right at midnight EST on the scheduled date, and they often show pending deposits 24-48 hours beforehand. The WMR tool has been super unreliable this tax season, but the transcript is much more accurate. Hang in there - once the IRS actually releases your refund, Navy Fed typically handles their end smoothly and on time!

Have you tried logging into your H&R Block online account? Sometimes you can see the disbursement details there. Or maybe check your email for a receipt from when you filed? I need to figure this out too for next year. Did you specifically request the refund to be transferred to your bank after it hits the Emerald Card?

I had this exact same confusion with H&R Block two years ago! Here's what actually happens: when you pay that $42 refund transfer fee, your refund will definitely go to the Emerald Card first - that's how their system works. The IRS sends your refund to H&R Block's temporary account, they deduct their fees, then put the remainder on your Emerald Card. From there, if you set up a transfer to your bank account during filing, it should automatically move to your bank within 1-3 business days. But if you didn't specifically request that transfer, the money will just stay on the Emerald Card. Check your filing paperwork or log into your H&R Block account online to see what transfer option you selected. The automated system is telling you the truth - it goes to the card first, then potentially to your bank depending on your choices.

Another tip that helped me as a new contractor - don't forget about self-employment tax! This caught me off guard my first year. As a 1099 contractor, you're responsible for both the employee AND employer portions of Social Security and Medicare taxes (15.3% total on your net earnings). When you're calculating how much to set aside for quarterly payments, make sure you're accounting for both income tax AND self-employment tax. I made the mistake of only calculating income tax my first quarter and came up short. A good rule of thumb is to set aside 25-30% of your contractor income depending on your tax bracket, but definitely run the actual calculations or use one of the tools mentioned above to get a more precise number. Also, keep detailed records of all your business expenses throughout the year - office supplies, equipment, mileage, home office expenses if you qualify, etc. These deductions can significantly reduce your tax liability and make those quarterly payments more manageable.

As someone who made the transition from W-2 to 1099 about two years ago, I completely understand your confusion! The quarterly payment system definitely feels overwhelming at first. Here's what I wish I had known: while technically you're supposed to make quarterly payments if you'll owe over $1,000, the IRS does offer some flexibility through safe harbor provisions. If you pay at least 100% of last year's total tax (110% if your AGI was over $150K), you can avoid underpayment penalties even if you owe more when you file. That said, I'd strongly recommend getting into the quarterly payment habit now rather than waiting. It's not just about avoiding penalties - it's about cash flow management. Setting aside 25-30% of each payment immediately and making quarterly payments prevents that scary "oh no, I owe $15K and spent all my money" moment in April. One practical tip: I use a separate business checking account and automatically transfer my estimated tax amount there every time I get paid. Then when quarterly payments are due, the money is already sitting there waiting. Makes it much less painful than trying to come up with a large lump sum. The learning curve is steep, but once you get a system down, it becomes second nature. Good luck with your first year of contracting!

This is such a frustrating situation that so many people run into! I went through something similar when a company reimbursed me for parking expenses during interviews and then sent me a 1099-NEC months later. The key thing to remember is that just because they issued a 1099-NEC doesn't mean you automatically owe taxes on it. Since this was a legitimate reimbursement at the standard IRS mileage rate (not payment for services), you can absolutely offset it. I'd recommend going the "Other Income" route on Schedule 1 that others have mentioned, since your husband isn't actually running a business. Report the $650 as other income, then claim the exact same $650 as a deduction for unreimbursed business expenses (which technically these were, since you incurred the expense first and were then reimbursed). This way you avoid any self-employment tax issues. Make sure to keep all your documentation - the mileage log, any emails about the reimbursement arrangement, and records showing it was calculated at the standard rate. The IRS will see the 1099-NEC was properly reported on your return, but the net tax impact will be zero.

I'm going through something very similar right now! Got a 1099-NEC from a company that reimbursed me for gas and hotel costs during a multi-day interview process last fall. Like your husband, I was just being reimbursed for actual expenses at reasonable rates - nothing excessive or profit-making. After reading through all these responses, I think the consensus is pretty clear: report it as "Other Income" on Schedule 1 line 8i, then offset it with the same amount on line 8j as "Other adjustments" to avoid any self-employment tax complications. The most important thing seems to be having good documentation. I kept all my receipts, the company's email explaining their reimbursement policy, and my mileage log. It sounds like your husband has similar documentation which should protect you both. It's really frustrating that companies don't understand how to handle these situations properly, but at least there's a clear path forward to report it correctly without owing taxes on money that was just covering your actual expenses.