my sister got hers last week. she filed in february. direct deposit tho not check

Filed mine Feb 15th and still waiting too. Called the GA DOR yesterday and they said they're experiencing "unprecedented volume" this year. The rep told me to expect at least 10-12 weeks from filing date. Apparently they're doing extra verification on a lot of returns. Hang in there!

Anyone know if TurboTax handles K-1 amendments easily? I'm in a similar situation as OP but I used TurboTax to file originally.

Hey Nathan! Don't stress too much about this - it's actually a pretty common scenario, especially with ETFs like $USO that are structured as partnerships. Just to add to what others have said: when you originally reported $USO on Form 8949, you were treating it like a regular stock sale. But since $USO is actually a partnership, you need to report your share of the partnership's activities via the K-1 instead. The good news is that for most people with small positions in $USO, the K-1 amounts are usually minimal. Look at the dollar amounts in the boxes - if they're small (like under $50 total), the impact on your taxes will be very small. One thing to keep in mind: when you file your amended return, you'll want to remove the $USO transactions from your original Form 8949 and instead report the K-1 information on the appropriate lines of your 1040. The K-1 will show the "correct" way to report your $USO investment. You're being responsible by wanting to handle this properly - many people just ignore K-1s for small amounts, but it sounds like you want to do things right!

Just to clarify for everyone - the "up to 2 days early" feature depends entirely on when the IRS initiates the ACH payment. Go2Bank can only deposit early if they receive the payment notification early. In 2024, the IRS has been sending these notifications closer to the actual payment date than in previous years. I received my refund on March 22nd, which was only 1 day before the official March 23rd date the IRS gave me. Last year it was a full 2 days early.

Thanks for asking this question! I'm in a similar situation - switched from another online bank to Go2Bank this year and was curious about their deposit timing. Based on all the responses here, it sounds like the reality is more like 1-2 days early rather than consistently 2 days. I appreciate everyone sharing their actual experiences rather than just the marketing promises. It's helpful to know that the timing really depends on when the IRS sends the notification to the bank, not just the bank's processing speed. I'll plan for the official date and treat any early deposit as a bonus rather than counting on it for bill planning.

Has anyone else had problems with their HSA provider charging extra fees for contributions made outside of payroll? After my layoff, my HSA administrator started hitting me with $2 transaction fees for each direct deposit I made. Seems like a ripoff!

One thing to keep in mind is that when you make direct HSA contributions (not through payroll), you'll miss out on the FICA tax savings you would have gotten with payroll deductions. Payroll HSA contributions avoid both income tax AND the 7.65% FICA tax, while direct contributions only avoid income tax. That said, the tax deduction is still substantial! Just make sure to keep good records of all your contributions throughout the year. I recommend setting up automatic monthly transfers to your HSA so you don't forget to max it out, especially while job hunting when finances might be tight. Also, since you mentioned your former employer is covering health insurance for 2 years, double-check that your plan still qualifies as a High Deductible Health Plan. Sometimes employer-sponsored continuation coverage can have different terms than the original plan.

Don't forget about state filing fees too! TurboTax charges separately for each state and at a premium. I was quoted $50 PER STATE last year because I moved mid-year and had income in two states. Absolute robbery.

This is exactly why I switched to a CPA this year! I know it sounds counterintuitive since CPAs can be expensive, but hear me out. I found a local CPA who charges $150 flat rate for self-employment returns, and she actually SAVED me more than that in deductions I didn't know about. Plus, when you have a real person doing your taxes, you get actual advice about quarterly payments, business expense tracking, and tax planning for next year. TurboTax just wants to extract maximum fees while giving you the bare minimum service. The peace of mind knowing a professional reviewed everything and that I have someone to call if the IRS contacts me is worth way more than the software lottery these companies are running. Sometimes the "cheaper" option ends up being the most expensive mistake you can make.