Got My 846 Code! Direct Deposit Date Set for 2/24

I filed on 1/22/25 and was accepted on 1/23/25. My transcript STILL doesn't show an 846 code as of today (2/15/25). I'm getting really worried because I need this money by March 1st for my rent deposit. Every day I check WMR and still just one bar. My cycle code is 05. Is there any way to speed this up or at least find out what's happening?

Congrats on getting your DDD! That's a pretty quick turnaround - less than a month from filing to scheduled deposit. Have you checked with your bank to see if they might release it early? Some banks like Chime and Cash App are known to release tax refunds up to 5 days early, aren't they? Also, did you have any fees taken out of your refund for tax preparation? If so, have you confirmed whether the deposit is coming directly from the IRS or through a third-party bank first?

Your refund timeline is actually faster than average this year. I've been monitoring the Refund Disbursement Patterns from the IRS Master File and most cycle 04 filers are seeing 30-35 day processing times. If you need to verify anything about your refund status before the 24th, good luck getting through on the regular IRS channels. I tried calling 14 times last week and couldn't get past the automated system. Eventually used Claimyr (https://claimyr.com) to connect with an agent in about 15 minutes. They confirmed my refund was actually scheduled for deposit 3 days earlier than WMR was showing.

The 846 code is your direct deposit confirmation. You should see the money hit your account on 2/24 or possibly earlier depending on your bank. Most major banks release IRS deposits on the actual date, but online banks often release 1-2 days early. Since you filed and were accepted in January, you avoided the major rush that's happening now. If you don't see the deposit by end of day on 2/24, check your tax transcript again for any changes before calling the IRS.

Based on your Cycle Code 04 and the 846 refund issued date, you're exactly on the standard IRS processing timeline for non-complex returns. The Direct Deposit Date (DDD) shown on your transcript with code 846 is the official date the Treasury will release the ACH payment to your financial institution. The Automated Clearing House (ACH) typically processes these transactions within 24-48 hours, though weekends and holidays can extend this timeframe. Your bank's funds availability policy will determine when you can access the money after they receive it.

I'm so happy for you! 😊 I was in the exact same boat last year - filed January 25th, accepted January 27th, and got my 846 code showing February 23rd deposit date. I was checking my bank account literally every hour! The money actually hit my account on February 22nd around 3pm. I was so relieved because I had been stressing about it for weeks! The waiting is the hardest part, but you're almost there! Just one more week to go!