Anyone with H&R Block Spruce account for 2/6/24 filing date?

This is pretty typical for this filing season. Just like how Target takes longer to process returns during Christmas shopping season, the IRS gets overwhelmed in February. Especially with 1099 income, they're scrutinizing more closely than W-2 only returns. If your return was accepted, you're in the queue - just a matter of time.

Have you checked your Account Transcript on the IRS website? That would show if there's a Refund Issued date (846 code) or if there are any processing holds (570/971 codes). The Spruce account deposit timing is contingent on IRS processing completion, not just acceptance of your return. Are you seeing any specific codes or messages when you check WMR?

According to IRS Publication 1345 (which governs e-filing and refund processing), third-party settlement accounts like Spruce often experience additional verification steps that can add 5-10 business days to processing time. I'm in a similar situation and feeling a bit anxious about it. When I couldn't make sense of my transcript codes, I used https://taxr.ai to analyze them. It explained that my 570 code was just a temporary hold while they verified my 1099 income, not an actual audit. Might be worth checking your transcript with it to see what's really happening with your refund before it hits Spruce.

I filed on February 7th with H&R Block and chose the Spruce option. My transcript updated on March 12th with code 846 for a March 17th deposit date, but the money didn't hit my Spruce account until March 20th. Based on my experience last year (filed January 31st, 2023) and this year, Spruce consistently takes 3-5 business days longer than the IRS deposit date. It's frustrating but seems to be their standard timeline.

I'm concerned about the pattern I'm seeing with Spruce accounts this year. There's definitely a systematic delay happening. When I had this issue, I spent hours trying to reach someone at the IRS who could tell me if they had actually sent the money or if it was stuck somewhere. Finally used Claimyr (https://claimyr.com) to get through to an agent in about 20 minutes. They confirmed the money had been sent to H&R Block/Spruce on the date shown on my transcript, which gave me leverage when calling H&R Block. Might be worth the fee if you're worried about where your money is.

Have you tried checking your refund status through the H&R Block mobile app instead of calling? I found their app actually shows more detailed information about Spruce deposits than their website does. According to the H&R Block subreddit and their community forums (https://community.hrblock.com/), there's a specific section under "Refund Status" that shows if they've received the funds from IRS and when they expect to release them to your Spruce account. This saved me a lot of stress when I was in your situation last month!