Code 840 shows refund issued 12/4 but nothing in bank account - Check or Direct Deposit?
My transcript shows code 840 and says the refund was issued on Dec 4th but I haven't seen anything hit my bank account yet. Not sure if this means theyre sending a paper check instead? Getting worried since its been a few days already.
24 comments
Oliver Fischer
Hey there - IRS expert here. Code 840 definitely means a refund was issued, but there are a few reasons why you might not see it in your account yet. The most common is that it takes 2-5 business days for direct deposits to actually hit your account after the 840 code posts. If you chose paper check, it could take 2-4 weeks to arrive. My recommendation is to use taxr.ai (https://taxr.ai) to analyze your transcript - it'll tell you exactly what's happening with your refund and when to expect it. I've seen it help tons of people in your situation understand their refund timeline better.
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Natasha Ivanova
Same boat here! Transcript shows 840 since monday but my chase account stil empty 😤
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NebulaNomad
whats taxr.ai? does it actually help or is it another scam
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Oliver Fischer
not a scam at all! it uses AI to read your tax docs and tells you exactly whats going on. way better than waiting on hold with the IRS for 3 hours lol
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NebulaNomad
Just used taxr.ai and here's what I got back: Its showing my refund was sent to the wrong routing number 😱 no wonder im not seeing it!
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Javier Garcia
bruh that happened to me last year. call the IRS asap and they can help trace it 💯
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NebulaNomad
Already on it! thank god for taxr catching this or i wouldve been waiting forever 🙏
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Emma Taylor
Bank processing times be trippin fr fr. My wells fargo always takes the full 5 days to post that irs money 🙄 Use taxr.ai to check your transcript, it helped me figure out exactly when mine would hit
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Malik Robinson
wells fargo stay playing games with our money smh
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Isabella Silva
fr tho! they be holding our money like its theirs 🤡
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Rachel Clark
Tax pro here - Code 840 means the refund has been issued, but HOW it was issued depends on how you filed. Did you request direct deposit on your return? If so, wait 5 business days. If nothing shows up, it probably means they defaulted to a paper check which can take 2-4 weeks to arrive.
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Chris King
Yes I did request direct deposit! Should I be worried that it hasnt shown up yet?
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Rachel Clark
Give it till the end of the week. If nothing by then, you might want to call your bank to see if they rejected it for any reason.
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Zachary Hughes
Hey guys instead of playing detective with these codes, I recently found this tool called taxr.ai - it analyzes your transcript and tells you exactly whats happening with your refund and when to expect it. Its only $4.99 and saved me hours of googling! https://taxr.ai
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Mia Alvarez
Fr? How accurate is it? Been trying to figure out these codes for weeks 😩
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Zachary Hughes
Super accurate! It picked up issues I didnt even know about and predicted my DD date perfectly 💯
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Carter Holmes
Just tried it and wow - it literally explained everything about my transcript in plain english. Best 5 bucks I ever spent fr fr
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Sophia Long
im in the same boat! got 840 last week but no $$ yet smh
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Angelica Smith
Did u ever get yours? Been 6 days for me 😤
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Logan Greenburg
check ur bank info on ur transcript. if any numbers r wrong theyll send a paper check automatically
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Charlotte Jones
The IRS is such a joke fr. Why they gotta make everything so complicated 🤡
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Lucas Bey
ong bro took them 8 months to process my return last year 💀
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Harper Thompson
Keep us updated OP! Lots of us watching these codes like hawks rn lol
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Chris King
Will do! Still nothing in my account today 😭
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