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Great question @Sofia! Unfortunately, once your refund shows "funded" status, the IRS has already initiated the ACH transfer and you can't change the banking information at that point. If there's an error in your account number, the deposit will likely be rejected by the bank and returned to the IRS. This process usually takes 5-10 business days. Once the IRS receives the returned funds, they'll automatically issue a paper check to your mailing address on file, which typically takes 3-4 weeks to arrive. For future reference, you can update your direct deposit info for next year's refund by filing Form 8888 with your return or calling the IRS before your refund is processed. If you're worried about your account details, you might want to contact your bank now to verify they have the correct account info on file - they can at least tell you if a deposit would be accepted or rejected.
This is exactly the kind of detailed info I needed as a newcomer! @Zara Thanks for breaking down the timeline - 5-10 days for the return plus 3-4 weeks for the paper check is way longer than I expected. I'm definitely going to double-check my account number with my bank tomorrow just to be safe. Better to verify now than wait 6+ weeks for a paper check! For other new filers reading this - seems like getting your banking info right the first time is super important.
As someone who just went through this process for the first time, I can share what I learned! The trace number is basically your refund's "passport" through the banking system. When your status changes to "funded," the IRS releases your money with this unique 15-digit identifier that helps track it from the Treasury through the Federal Reserve to your bank. I was panicking when my refund showed funded on a Friday but didn't hit my account until the following Wednesday - turns out that's totally normal! Most people never actually need to know their trace number because the money just arrives as expected. But if your refund goes missing after showing "funded" for more than 5-7 business days, that's when you'd call the IRS to get the trace number and then give it to your bank to help locate the deposit. Think of it as a backup plan rather than something you actively need to worry about. The whole system is designed to work smoothly in the background, and the trace number is just there for troubleshooting if needed!
This is incredibly reassuring! @GalaxyGazer As someone who literally just filed my first return last week, I was getting paranoid about every little detail in the process. Your explanation about it being a "passport" for the money really helps me understand what's happening behind the scenes. I keep refreshing the Where's My Refund tool expecting instant updates, but sounds like I need to be more patient with the timing. Quick question - when you say 5-7 business days after "funded" status, does that include weekends or just actual banking business days? Want to make sure I'm counting correctly before I start worrying unnecessarily!
Just to add one more perspective - if you file a return claiming the kids (which it sounds like you're entitled to do), the IRS will initially process both returns. Then they'll send notices to both you and your ex. Often at this point, the person who incorrectly claimed them will just concede rather than going through an audit. If neither party backs down, the IRS will audit both returns and request documentation proving who provided support, where the kids lived, etc. Since you were living together, make sure you have documentation showing you paid the bills.
If the mom doesn't back down and it goes to audit, how long does that process usually take? I'm in a similar situation and worried about waiting forever for my refund.
These types of audits typically take 6-9 months to resolve, sometimes longer if the case is complicated. During this time, any refund related to the dependent claims will be held. Your best strategy is to gather strong documentation now: receipts for household bills, school records showing your address, medical bills you paid, child care expenses, etc. The more thorough your documentation, the faster the process usually goes. You can also request an expedited review if you're experiencing financial hardship, though this isn't guaranteed to be approved.
Something missing from this discussion - the tiebreaker rules when both parents live together! When parents who aren't married live together with their children, the IRS has specific tiebreaker rules: 1. First, the parent who provides more than 50% support 2. If that's unclear, then the parent with the higher AGI gets to claim Since you mentioned having the higher AGI and paying "just about everything," you clearly qualify under both criteria. Your ex definitely incorrectly claimed them.
Does this apply even if we weren't living together the ENTIRE year? My ex and I lived together January through September, then I moved out. We share custody now but lived together most of the year.
As someone who made the transition from Jackson Hewitt to a regional accounting firm, I can tell you that the experience absolutely can help your career - but success depends heavily on how you approach it. The reality is that JH will give you high-volume experience with basic returns, which teaches you efficiency and client interaction skills. However, the real value comes from what you do beyond their minimum requirements. I made it a point to: 1. Study every tax code section I encountered, even for simple issues 2. Research complex situations thoroughly rather than just following software prompts 3. Build relationships with more experienced preparers who could mentor me 4. Keep detailed notes on unusual scenarios for future reference When I interviewed at my current firm, I didn't hide that I worked at JH - I emphasized the problem-solving skills I developed and specific tax knowledge I gained. The managing partner actually said my practical client experience gave me an advantage over candidates who only had academic knowledge. One season is usually enough to gain credibility, but make sure you're learning something new every day. Start networking with local firms in March/April when they're planning for the next year. Focus your resume on tax concepts you've mastered rather than just the volume of returns you processed. The key is treating JH as tax school with a paycheck, not just a job. Good luck!
This is such valuable advice, thank you! I'm curious about your point on building relationships with more experienced preparers - how did you identify who the good mentors were at your JH location? And when you say you kept detailed notes on unusual scenarios, did you create like a personal reference guide that you could review later? I'm trying to figure out the best way to systematically capture everything I learn rather than just hoping I remember it all.
Great questions! For identifying good mentors, I looked for preparers who: 1) took time to explain things rather than just giving quick answers, 2) had been there multiple seasons and seemed genuinely knowledgeable about tax law (not just software), and 3) were willing to let me observe when they handled complex returns. Usually these were the people other preparers would go to with questions. For my notes system, I created a digital notebook organized by tax topics (Schedule C issues, rental property depreciation, etc.) with specific client scenarios I encountered. For each unusual situation, I'd write down: the facts, what research I did, what solution we used, and what I learned. This became invaluable during interviews - I could reference specific examples of tax problems I'd solved rather than speaking in generalities. I also kept a separate "questions to research later" list for things that came up during busy periods when I didn't have time to fully understand them in the moment. Reviewing and researching these during slower periods really deepened my knowledge beyond just getting returns filed correctly.
As someone who recently transitioned from Jackson Hewitt to a mid-size CPA firm after one season, I can definitely say the experience was worthwhile - but you need to be strategic about it. The training at JH is pretty basic, but what you'll get is real-world client experience that textbooks can't teach you. You'll learn how to handle difficult clients, explain tax concepts in plain English, and work efficiently under pressure during busy season. These soft skills are just as valuable as technical knowledge when interviewing at better firms. My biggest piece of advice: Don't just rely on their training materials. When you encounter something you don't fully understand, research it on your own time. I spent evenings reading IRS publications and tax court cases related to issues I saw during the day. This deeper knowledge really impressed interviewers later. Also, network while you're there! Many JH locations have preparers who previously worked at local CPA firms or have connections in the industry. I got my current job through a referral from someone I worked with at JH who had moved on to a regional firm. The experience will definitely help your career if you approach it as a learning opportunity rather than just a paycheck. One season of practical experience plus your master's degree should make you competitive for positions at smaller firms. Just make sure to emphasize the tax knowledge you gained and client skills you developed rather than focusing on the workplace itself.
This is exactly the kind of strategic thinking I needed to hear! I'm particularly interested in your point about networking within JH - I hadn't really considered that other preparers might have connections to better firms. How did you go about building those relationships without it seeming like you were just using people for connections? And when you say you researched IRS publications and tax court cases on your own time, did you focus on specific areas or just follow up on whatever you encountered each day? I'm trying to figure out how to structure my own learning plan alongside the JH training.
I'm dealing with the exact same frustrating situation! Filed in early March, accepted immediately, but still getting that "Your Information Is Not Available" message when I try to check my balance. One thing that helped me was checking my account transcript instead of just the balance page - go to "Get Transcript" and look at your Account Transcript for 2023. Mine actually showed the return was processed even though the balance page was still showing the error message. Also, if you know you owe $3,800, you can absolutely make a payment now through IRS Direct Pay without waiting for the balance to show up. Just select "Form 1040" and "2023" as the tax year. The system will accept payments even when your balance isn't displaying properly. I did this last week and got a confirmation number, so at least I know my payment went through. The waiting is nerve-wracking but from what I've read, this seems to be happening to a lot of people this year. Hopefully both our accounts update soon!
Thanks for the tip about checking the Account Transcript! I just tried that and you're right - it shows way more detail than the balance page. Mine actually shows "Return Posted" with a date from last week, so it looks like it is processed even though the balance page still gives me that error message. I'm definitely going to go ahead and make the payment through Direct Pay like you suggested. Better to get it done now rather than risk any interest charges while waiting for their system to catch up. Did your balance page ever start working normally after you saw the transcript update?
I'm experiencing the exact same issue! Filed my 2023 return in mid-February, got the acceptance confirmation within 24 hours, but I've been getting that same "Your Information Is Not Available at This Time" message for over 6 weeks now. What's really frustrating is that I can see on my Account Transcript that the return was actually posted to my account about 10 days ago, but the balance page still won't load properly. It's like their systems aren't talking to each other. I ended up calling the Taxpayer Advocate Service (1-877-777-4778) after getting nowhere with the regular IRS lines. They told me this is a known system issue affecting thousands of taxpayers this season, particularly those who filed early. The representative said the balance pages should start updating properly over the next 2-3 weeks as they work through their backlog. In the meantime, I went ahead and made my payment through IRS Direct Pay like others have suggested. At least I have peace of mind knowing I won't accrue interest while waiting for their technology to catch up. Definitely check your Account Transcript though - it might show more current information than the balance page.
This is really helpful to know it's a widespread system issue! I've been stressing about this for weeks thinking something was wrong with my specific return. The Taxpayer Advocate Service sounds like a much better option than trying to get through the regular IRS phone lines. Quick question - when you made your payment through Direct Pay, did you just use the amount you calculated you owed from your return? I'm worried about paying the wrong amount since I can't see my actual balance, but waiting much longer for interest to accrue seems worse than potentially overpaying by a small amount. Also, did the Taxpayer Advocate rep give you any timeline on when the balance pages might start working normally again? It would be nice to have some idea of when this will all get sorted out.
Hunter Hampton
I have been in tax hell for MONTHS trying to get my refund from last year. my transcript made no sense to me with all those random codes. I was about to give up when someone told me about taxr.ai. uploaded my transcript and it explained everything perfectly. turns out i had a simple issue that was easy to fix once i knew what was happening. definitely check it out if youre still having issues.
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Sofia Peña
•Did it actually fix your problem or just tell you what was wrong? Big difference...
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Hunter Hampton
•It explained what was wrong AND gave me step by step instructions for fixing it. I had to call the IRS (used claimyr for that) and tell them exactly what needed to be corrected. But knowing what to say made all the difference - the agent fixed it in minutes once I explained the specific issue.
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Nia Jackson
I've been through this exact same situation multiple times! Republic Bank typically takes 3-5 business days once they send the funds to your bank, which sounds like exactly what you're experiencing. Since they sent it on 3/15 (which was a Friday), you're looking at Monday 3/18, Tuesday 3/19, Wednesday 3/20 as your business days. Many banks process ACH deposits overnight, so definitely check your account first thing in the morning - sometimes they show up between 12am-6am. If it's not there by end of business today, I'd call your bank tomorrow to see if there's a pending deposit they can see on their end. The timing you're experiencing is totally normal, even though the stress is real when you're counting on that money!
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Carmen Diaz
•This is super helpful! I'm new to dealing with tax refunds and had no idea about the business day timing. Makes me feel a lot better knowing this is normal. Question though - do all banks process overnight deposits at the same time or does it vary? My bank is a smaller credit union so wondering if that might affect when it shows up.
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