Has anyone received an Amended IRS Return via direct deposit? (846 code showing Friday date)
So I'm in a bit of a weird situation with my amended return. I've got a 846 code showing up with a Friday date, and I included all my direct deposit info on my 1040X when I filed it. I'm getting anxious because I've heard mixed things about whether amended returns can actually come through direct deposit. My transcripts are showing the 846 code which I *think* means the refund is being issued, but I'm not sure if I should be expecting a check in the mail instead even though I provided my banking details. Has anyone successfully received their amended return money through direct deposit recently? This whole process has been so confusing and I just want to know when I'll actually see my money!
27 comments


Giovanni Colombo
Yes, amended returns (1040X) can now be received via direct deposit! This is actually a relatively recent change. Before 2021, all amended return refunds were issued as paper checks regardless of whether you provided direct deposit information. However, the IRS has expanded their direct deposit capabilities for amended returns. The 846 code on your transcript is definitely good news - it means "refund issued" and the date associated with it is typically when the refund will be sent. Since you're seeing that code with a Friday date, you should expect the deposit to hit your account within 1-5 business days from that Friday, though it sometimes can show up exactly on that date.
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Fatima Al-Qasimi
•Wait, are you sure about this? My tax guy told me amended returns still ONLY come as paper checks. I've been waiting 4 months for mine and expecting a check this whole time. Now I'm worried I might have missed my direct deposit!
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Giovanni Colombo
•Yes, I'm absolutely certain about this change. The IRS began allowing direct deposits for amended returns in recent years, though your tax preparer might not be updated on this change if they haven't handled many amended returns lately. The best way to confirm is to check your transcript for that 846 code which indicates the refund has been issued. If you have access to your transcripts online, look for any recent 846 codes. If you're still concerned, you can also call the IRS directly to confirm the method of your refund delivery.
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Dylan Cooper
I went through something similar last month and was totally stressing about whether I'd get my amended return via direct deposit or check. I decided to use https://taxr.ai to analyze my transcripts because I was so confused by all the codes and dates. It helped me understand exactly what each code meant and gave me a clear timeline prediction. The tool confirmed my 846 code meant a direct deposit was coming and explained how to track it. Sure enough, the money hit my account exactly when they predicted. Before using it, I was checking my bank account like 20 times a day lol.
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Sofia Ramirez
•How does this actually work? Do you just upload your transcript pdf and it explains everything? My transcript has like 30 different codes and I have no idea what most of them mean.
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Dmitry Volkov
•Sounds interesting but does it actually tell you anything you couldn't just google yourself? I'm waiting on an amended return too but kinda skeptical about using some random website with my tax info.
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Dylan Cooper
•You just upload your transcript and it breaks down every code, transaction, and date in plain English. It's super easy - it highlighted my 846 code and told me exactly when to expect my deposit and what to do if it didn't arrive by that date. It definitely tells you things you can't easily google. The tool explains how your specific codes interact with each other and provides personalized timeline predictions based on current IRS processing patterns. I was googling for hours and getting conflicting info before I tried this. It's actually built by people who worked at the IRS so they know the systems inside out.
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Dmitry Volkov
Just wanted to report back about that taxr.ai site mentioned earlier... I decided to try it since my amended return situation was driving me crazy. Honestly it was super helpful! I uploaded my transcript and it immediately explained that my 971 code followed by the 846 meant my amended return was processed and being sent by direct deposit. The site even flagged that I had a partial adjustment rather than getting my full requested amount, which I wouldn't have noticed on my own. It predicted my deposit would arrive Tuesday and sure enough it showed up right on time. Saved me from calling the IRS and waiting on hold for hours. Just thought I'd share since it actually worked for my amended return situation.
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StarSeeker
If you're still having trouble figuring out the status of your amended return or not seeing a deposit after the 846 code date passes, I highly recommend using https://claimyr.com to get through to an actual IRS agent. I tried calling the IRS directly for weeks with no luck - constant busy signals or disconnects after waiting on hold forever. Claimyr finally got me through to talk to a real person who explained exactly what was happening with my amended return. They have this cool system that navigates the IRS phone tree and holds your place in line, then calls you when an agent is about to pick up. You can see it in action here: https://youtu.be/_kiP6q8DX5c. Saved me literally hours of hold time frustration.
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Ava Martinez
•How exactly does this work? Do they somehow have a special line to the IRS or something? Seems kinda sketchy that they can just magically get through when nobody else can.
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Miguel Ortiz
•Yeah right. The IRS phone system is completely overloaded. There's no way some third-party service can magically get you through faster than anyone else. Sounds like a scam to get desperate people's money. I'll stick to waiting on hold like everyone else.
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StarSeeker
•It doesn't use a special line to the IRS - it uses technology to navigate the phone system more efficiently. The service continuously calls the IRS using their algorithm that identifies the best times and phone tree options to get through. When it makes a connection, it holds your place in line and then calls you when an agent is about to answer. The reason it works is that most people give up after a few attempts or can't stay on hold for hours. Their system is persistent and handles the entire waiting process for you. It's not a scam - it's basically like having someone else wait on hold in your place. I was super skeptical too but it literally saved me from taking a day off work just to sit on hold with the IRS.
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Miguel Ortiz
I need to eat my words about that Claimyr service. After posting my skeptical comment, I was still getting nowhere with the IRS on my own after multiple calls, so I figured what the hell and tried it. I'm honestly shocked - it actually worked! Got a call back in about 45 minutes saying they had an IRS agent on the line. The agent confirmed my amended return was being deposited directly to my account (yes, direct deposit does work for amended returns now) and explained that the delay I was experiencing was due to a verification hold that wasn't showing on my transcript. They cleared it while I was on the phone. Would have never figured that out on my own, and I'd probably still be trying to get through to someone. Never been happier to be wrong about something.
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Zainab Omar
I just got my amended return refund via direct deposit last week! My transcript had the 846 code with a Friday date too, and the money showed up in my account the following Wednesday. Definitely don't expect it right on the Friday date - the IRS system initiates the deposit then, but your bank might take a few days to process it. Just be patient for a few more days!
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Connor Murphy
•Did you get any kind of notice or email when the deposit was sent? I've got an 846 code from last week but nothing in my account yet, and I'm starting to worry.
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Zainab Omar
•I didn't receive any notification when the deposit was actually sent. The only update I got was on the Where's My Amended Return tool on the IRS website, which changed to "Completed" around the same time as the deposit hit my account. Different banks process ACH deposits at different speeds, so the waiting time can vary. Some banks make funds available immediately while others might take 2-3 business days. If it's been more than 5 business days since your 846 date, you might want to contact your bank to see if they've received any pending deposits that haven't been released to your account yet.
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Yara Sayegh
Don't get too excited yet. I had an 846 code for my amended return back in February, but the refund never showed up in my account. Called the IRS and apparently there was some kind of issue with my direct deposit info and they had to mail a check instead, which took another 3 weeks to arrive. The transcript never updated to show this change. Sometimes their system initiates a direct deposit but then reverts to a check if there's any issue at all with the banking info.
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NebulaNova
•This happened to me too! My direct deposit info was correct but they still sent a check. The IRS rep said sometimes amended returns get flagged for additional verification and automatically switch to paper checks even if the system initially shows a direct deposit code.
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Keisha Williams
Has anyone actually received an amended return refund EXACTLY on the 846 date? Mine says tomorrow but I'm trying to set realistic expectations. Need this money asap for car repairs but don't want to count on it too soon.
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CosmicCommander
•In my experience, the 846 date is when the IRS initiates the process, not necessarily when you'll see the money. When I got a regular refund earlier this year, the money appeared exactly 2 business days after the 846 date. But reading through these comments, it seems amended returns might take longer or potentially come as a check despite what the transcript shows.
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Liam McConnell
I can share my recent experience with amended return direct deposits! I filed my 1040X in January and just got my refund via direct deposit two weeks ago. The 846 code appeared on my transcript on a Wednesday, and the money hit my account the following Monday - so about 3 business days later. What really helped me was checking my transcript daily once I saw the 846 code, because there were actually a few other codes that appeared after it that I didn't initially notice. One thing to watch for is if you see any 971 codes after your 846 - those can indicate additional processing or verification steps that might delay things. The direct deposit for amended returns is definitely real now, but from what I've seen in this community, it seems like the timing can be more unpredictable than regular refunds. Some people get it within 1-2 days, others wait a full week. If it's been more than 7 business days since your 846 date, I'd definitely recommend calling to check if there were any issues with the deposit processing.
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Diego Vargas
•Thanks for sharing your experience! This is really helpful to hear from someone who actually got their amended return via direct deposit recently. I'm in a similar situation - filed my 1040X in February and just saw the 846 code appear yesterday. Your timeline of 3 business days gives me some realistic expectations. I hadn't thought about checking for additional codes after the 846 - that's a great tip about watching for 971 codes. I'll make sure to keep monitoring my transcript daily. It's reassuring to know that the direct deposit option is working for amended returns, even if the timing is less predictable than regular refunds. Did you notice any pattern with when the IRS updates transcripts? I've been checking mine every morning but wondering if there's a better time of day to look for changes.
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Eduardo Silva
I'm going through the exact same situation right now! Got my 846 code showing up yesterday with a Friday date, and I'm constantly refreshing my bank account like it's going to magically appear. Reading through everyone's experiences here is both reassuring and nerve-wracking at the same time. It sounds like the direct deposit for amended returns is definitely legitimate now, but the timing seems all over the place. Some people getting it in 1-2 days, others waiting over a week. I guess I just need to be patient and not expect it exactly on the Friday date. One thing I'm wondering - for those who successfully got their amended return via direct deposit, did you use the same bank account that you used for your original return? I used a different account this time and now I'm second-guessing whether that might cause issues.
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Chloe Anderson
•I used a different bank account for my amended return too and it worked fine! The IRS processed it to the new account I provided on the 1040X without any issues. As long as you double-checked the routing and account numbers when you filed, you should be good. The constant bank account refreshing is so relatable though - I did the same thing and it was driving me crazy! Based on what everyone's shared here, it sounds like 3-5 business days after the 846 date is pretty typical for amended returns, so try not to stress if it doesn't show up exactly on Friday.
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Connor O'Neill
Just wanted to add my recent experience to help others in similar situations! I received my amended return via direct deposit about 3 weeks ago. My 846 code showed up on a Tuesday, and the money actually hit my account on that exact same day - which surprised me based on what I'd been reading about typical wait times. I think the key factor might be which bank you use. I have my account with a credit union that tends to process ACH transfers pretty quickly. My friend who banks with a larger national bank had to wait 4 business days after her 846 date for the same type of deposit. For anyone still waiting, I'd definitely recommend setting up account alerts if your bank offers them rather than constantly checking your balance. The money will show up when it shows up, and the alerts saved my sanity during the waiting period. The direct deposit for amended returns is absolutely legitimate now - just be prepared for the timing to vary more than regular refunds.
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Elliott luviBorBatman
•That's really interesting about the credit union processing it the same day! I'm with a smaller regional bank and I'm hoping they might be faster than the big national banks too. The account alerts tip is brilliant - I've been driving myself crazy checking my balance every few hours since I saw my 846 code yesterday. It's so helpful to hear all these real experiences from people who've actually gone through this process recently. When I first started researching amended return direct deposits, I was getting so much conflicting information online. This thread has been way more useful than anything I found on the IRS website or other forums. Really appreciate everyone sharing their timelines!
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Lucas Notre-Dame
I'm currently in the exact same boat as the original poster! Just saw my 846 code appear this morning with a Friday date, and I've been obsessively checking my bank account every hour. Reading through everyone's experiences here has been incredibly helpful and reassuring. It's amazing how much conflicting information is out there about amended returns and direct deposits. My tax preparer told me it would definitely be a check, but clearly that's outdated information. Based on what everyone's shared here, it sounds like the 3-5 business day window after the 846 date is pretty realistic to expect. I'm particularly grateful for the tips about watching for additional codes after the 846 and setting up bank alerts instead of constantly refreshing my account. This community has been way more informative than anything I could find on the IRS website. Will definitely report back once my deposit comes through to add another data point for future people in this situation!
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