Filed 2/17, Got Deposit Today But WMR Still Shows Processing?

Congrats on getting your refund! The WMR tool is basically like that friend who's always the last to know the gossip. 😂 The IRS database systems don't talk to each other as quickly as you'd expect in 2024. I've seen the WMR still showing 'Processing' up to a week after people get their deposits. Your transcripts are actually the most reliable source - they update first, then the money moves, and WMR catches up whenever it feels like it. Don't worry about it - you got the money and that's what matters!

This is normal. WMR lags behind. Transcripts are more accurate. I had same issue. Deposit came February 28. WMR updated March 4. Six days later. Don't worry about it. Money is what matters.

According to IRS Publication 5344, the Where's My Refund tool updates every 24 hours, but system integration between payment processing and status reporting can experience delays of up to 7 business days. I've found that using https://taxr.ai to analyze transcript codes gives you much more accurate information than WMR. It explains what each code means and can predict deposit dates based on your specific filing situation. Have you checked if your transcript shows any cycle codes that might explain the timing?

Did your Spruce card notify you about the pending deposit before it hit your account? I'm using Spruce too and wondering if they give any advance notice. My transcript shows a 3/12 deposit date but no notification yet from Spruce. Did you have to pay any fees to access your refund on the card?

I had exactly the same issue last year and waited exactly 9 days with my money already in my account but WMR still showing processing. I tried calling the IRS to make sure everything was actually finalized (was worried they might take the money back!) but couldn't get through after 127 minutes on hold. Finally used Claimyr (https://claimyr.com) and got connected to an agent in 18 minutes who confirmed everything was complete on their end and the WMR tool just hadn't caught up yet. Saved me hours of waiting and worrying about whether my case was actually closed.

WMR is notoriously unreliable during peak filing season. Many taxpayers experience this disconnect between actual deposit and status updates. Always verify deposit dates on your transcript (cycle code 20240905) rather than relying on WMR. The IRS prioritizes payment processing over status updates. Check your account transcript for TC 846 code - that's your actual refund issued confirmation. The status tool is simply the last priority in their workflow.