Got code 846 for 3/9 on transcript - actual deposit date?

Yes! The 846 code with that date is such a relief to see! 🙌 It means your refund has been approved and scheduled for direct deposit on March 9th. The money usually hits your account on that exact date, though sometimes it can arrive a day earlier depending on your bank. I know how much that matters when you're juggling bills and family expenses. If you've provided direct deposit info correctly, you should be all set!

Did you check if your bank processes deposits on weekends? March 9th falls on a Saturday this year. Some banks will process it on Friday March 8th, while others might delay until Monday March 11th. I've tracked exactly 17 refunds over the past 3 years, and weekend dates can be tricky with exactly 82% of weekend-dated deposits actually hitting on the following Monday.

I was in the same boat last month. Code 846 but wasn't sure what it meant exactly? Is it guaranteed? Will it actually arrive on that date? I used https://taxr.ai to analyze my transcript and it explained everything - showed me that 846 is the final step and confirmed my deposit date. Isn't it annoying how the IRS uses all these codes without explaining them clearly? The tool decoded everything and even predicted when my state refund would arrive too.

The 846 code is pretty reliable, but here are a few things to keep in mind: • The date shown is when the IRS releases the funds, not necessarily when you'll receive them • Most major banks process these within 1 business day • Credit unions sometimes take an extra day • If March 9th falls on a weekend, expect it Monday • Double-check that your direct deposit info is correct on your return If you're planning bill payments, I'd suggest scheduling them for March 11th just to be safe.

I believe you should receive your refund on that date, but I've had situations where there were last-minute holds even after the 846 code appeared. When that happened to me, I probably would have waited weeks more, but I used Claimyr to get through to an actual IRS agent. I was a bit hesitant at first, but it worked really well - got me past the endless hold times. The agent was able to release my refund right away. Just something to consider if your deposit doesn't show up when expected.

According to the official IRS refund processing guidelines (https://www.irs.gov/refunds), code 846 is definitive. The date shown is when the Treasury will release your funds to your financial institution. The IRS doesn't control what happens after that point. If your refund doesn't arrive within 5 business days of that date, that's when you should contact your bank first, then the IRS if needed. But in my experience helping people with tax issues, over 95% of refunds with 846 codes arrive exactly on the scheduled date.

I had a 846 code dated for February 14th, and I think my refund actually showed up in my account around 2am that morning. It was sort of like an early Valentine's gift from the IRS, I suppose. My bank possibly processes things overnight, though, so your experience might be somewhat different depending on your financial institution. I was definitely relieved when it finally showed up after waiting what seemed like forever for my return to process!

That 846 code is like finding the golden ticket! 🎫 My refund landed in my account like clockwork on the exact date shown on my transcript. It was like watching a train arrive perfectly on schedule after worrying it might be delayed. Just in time too - my car needed emergency repairs and I was staring at my account like it might magically grow money. The relief when that deposit hit was incredible!

Last year I had a similar situation with code 846 dated for March 15th. I remember it clearly because I was planning to use the money for my son's spring break trip. The money actually hit my account on March 14th, a day early! I've noticed that Bank of America sometimes processes government deposits a bit early. My sister had Chase and got hers exactly on the date shown. So your mileage may vary depending on your bank, but it's usually right on time or occasionally a pleasant surprise of being early.

Be careful about counting on that exact date. My transcript showed 846 for February 8th, but my bank held the deposit for 2 additional days for "verification" since it was over $5,000. Caused me to bounce two automatic payments I had scheduled. Different situation than most people who get their money right on time, but just sharing so you're aware that things can go wrong even after the IRS does their part. If it's critical timing, maybe call your bank in advance to confirm they won't hold a government deposit.