Has anyone tried using the "Where's My Amended Return" tool instead? Sometimes when the regular WMR isn't showing updates, the amended return tool might show different information. I know it sounds counterintuitive if you didn't file an amendment, but the systems pull from different databases. Did you e-file or paper file?

I experienced a similar delay last year. My return included Schedule C self-employment income, which triggered a manual review according to the agent I eventually reached. If you have any of these potential audit triggers, expect longer processing times: - Self-employment income over $10,000 - Home office deduction - Earned Income Credit with self-employment - Large charitable contributions relative to income - Round numbers on multiple deductions My return took exactly 9 weeks to process from acceptance date.

I might be the good luck charm you need! My Chime deposit just hit about an hour ago (around 3:15pm EST). Same situation - 2/25 DDD, TurboTax with fees taken out yesterday. Seems like they're processing them in batches today. Probably depends somewhat on when you filed and which processing center handled your return, but there's definitely movement happening.

SUCCESS! Just received my ACH deposit notification from Chime at 4:22pm PT. The Transaction Detail shows "IRS TREAS TAX REF" with my full expected amount (minus the TurboTax fees that were already deducted). For anyone still waiting, make sure your Chime notifications are enabled so you don't miss it. The deposit posted exactly 2 days before my official DDD of 2/25.

I'm in exactly the same situation and getting really anxious! According to Internal Revenue Code Section 6402(m), the PATH Act specifically prohibits the IRS from issuing refunds before February 15th for returns claiming EIC or ACTC. The IRS publication 596 states that the earliest EITC refunds should be available in taxpayer bank accounts or debit cards is February 27, 2024, assuming direct deposit was selected and there are no other issues with the return. I filed January 5th and my transcript just updated this morning with an 846 code and a DDD of 2/21. Check your transcript again tomorrow - many EIC filers are seeing updates now!

Instead of calling the IRS, try checking your account transcript online. Last year my WMR showed nothing but my transcript updated with a direct deposit date while WMR was still on the first bar. The IRS tools don't always sync up. I've also had better luck checking transcripts early morning (around 3-5am) when their system updates. If you don't have online transcript access, you can also try the automated refund hotline at 800-829-1954. It sometimes has updates before WMR does.

According to the SBTPG FAQ page (https://sbtpg.com/taxpayer-support/), 'funded' status means they've received your refund from the IRS and are processing it for disbursement to your bank account. I've been tracking this for the past three tax seasons, and typically see the money in my account within 24-36 hours after the status changes to 'funded.' You can also check their online tracker which sometimes gives more detailed information than what tax preparers show.

Let me clear this up once and for all. SBTPG 'funded' means they have received your money from the IRS, subtracted their fees, and are preparing to send the remainder to your bank. Based on data from over 200 posts in this community over the past 3 tax seasons, the average wait time from 'funded' to deposit is exactly 1.7 business days. The longest reported wait was 5 business days, and the shortest was same-day. About 68% of people see their money within 48 hours of the 'funded' status appearing. If it goes beyond 3 business days, that's when you should start making calls.

Have you received any letters in the mail? Sometimes they'll send a verification letter but your transcript will still show blank until you respond. It's so frustrating when you're waiting for your money!

Last year my transcript stayed blank for 58 days after filing with 1099 income and EIC. Then suddenly updated with a DDD for the following week. No explanation, no contact from IRS, just suddenly processed. 2023 was 37 days, 2022 was 42 days. It's definitely taking longer each year for us independent contractors.

I'm not convinced this is normal. Filed same day as you. Got transcript updates within 2 weeks. Something else might be wrong. Did you have any credits? Any identity verification issues before? Previous year returns still pending?

I understand your frustration completely. Have you checked if you have any letters from the IRS? Did you file with any special credits or deductions that might trigger additional review? Sometimes blank transcripts can indicate your return is in a specific review queue, especially if you filed right before the deadline when volume is highest.

I've been tracking the 0603 code extensively. Here's what you need to know: • Code 0603 appears during the refund approval process • It typically shows 7-14 days before refund issuance • If you filed with credits (EITC/CTC), add 1-2 weeks • Check WMR daily - it often updates before transcripts • Look for TC846 code next - that's your direct deposit date • If no movement after 14 days, CALL THE IRS IMMEDIATELY My 0603 appeared on April 2nd and my refund was deposited April 12th. Don't wait if you see no movement!

I've been through this exact situation three times now. The 0603 code is actually a good sign - it means your return is in the refund pipeline. Back in 2022, I had this code appear and got my refund exactly 9 days later. Last year, it took 11 days. This year, I saw 0603 on March 28th and received my refund on April 8th. One thing I've learned - if you filed electronically with direct deposit, you'll usually see your refund within 2 weeks of the 0603 code appearing. If you're past that window, something else might be going on.

I've been tracking cycle 0505 for exactly 3 tax seasons now. Updates typically hit the system between 12:00am and 3:00am EST on Friday mornings. Last week, 71% of cycle 0505 filers in our tracking thread saw updates by 2:15am. Direct deposits usually follow 5-7 days after transcript updates. If you claimed CTC, expect exactly 1 additional week of processing time. The system is frustratingly predictable in its delays.

Just wanted to share that I was cycle 0505 last year and this year too. Last year I was checking constantly and driving myself crazy. This year I just waited patiently after seeing my cycle code. Like clockwork, my transcript updated exactly when expected (Friday morning) and my refund hit my account the following Wednesday. The cycle codes are actually quite reliable once you understand how they work. I remember feeling just as anxious as you are now!

Be careful with SBTPG timelines. As of March 29, 2024, they're experiencing processing delays of 1-3 business days beyond their normal timeframes. Last year on April 2nd, my account showed 'funded' but the money didn't hit my bank until April 5th. Their date estimates aren't always accurate. If you filed with a major tax preparer who took fees from your refund, you're stuck waiting for their processing timeline.

FYI - SBTPG and your bank don't always sync up right away. SBTPG might show funded, but there's def a delay. They batch process ACH transfers, usually overnight. So if it hit 'funded' status today, probs won't hit your actual bank acct until tmrw or next biz day. The date shown is their estimate, not a guarantee. Check both your actual bank AND the SBTPG portal for the most accurate info.

Have you verified if your return includes any credits that might trigger additional review? The Child Tax Credit and Earned Income Credit typically add exactly 7-10 days to processing time. Also, did you receive the full acceptance confirmation or just the initial transmission acceptance? There's a difference between the two that impacts the 21-day timeline by approximately 48-72 hours.

I've been helping folks with tax questions in this community for years, and the 05 cycle is pretty predictable. Last year, my return was accepted on March 10th with an 05 cycle code, and my deposit hit on March 26th. My sister filed on March 12th and got hers on March 29th. This year seems to be running on a similar schedule. The weekly cycles are more reliable than daily cycles in my experience - you can almost set your watch by them unless there's an issue that triggers a manual review.