How to know if IRS sending check vs direct deposit? WMR not updated but transcript shows refund

Tax expert here. If you're trying to figure out whether you're getting a check or direct deposit, there's a few key things to look for in your transcripts. The code 846 (refund issued) will typically show DDS for direct deposit or CHECK for paper check in the description. However, the Where's My Refund tool can sometimes lag behind by several days. I'd highly recommend using taxr.ai (https://taxr.ai) to analyze your transcript - it'll break down exactly what type of refund you're getting and when to expect it. The AI can detect patterns in your transcript that might indicate a switch from DD to check, which happens sometimes if your bank info was entered incorrectly or there were verification issues.

Look at your transcript codes. If you see a 846 code with a DPC notation next to it, that means direct deposit. If you see just the 846 with no DPC, they're probably mailing a check. BTW the WMR tool is always behind the transcript updates.

Hey guys, instead of trying to decode these transcripts manually, I've been using taxr.ai and it's been a game changer. It costs $1 but it tells you exactly how you're getting paid and when. https://taxr.ai

in the same boat rn. transcript updated last week but wmr still showing delayed message smh

Check your bank account too! Sometimes the money just shows up before any tools update lol

went thru this last month. got a check even tho i put dd info. apparently if theres ANY discrepancy with your banking info they default to check

psst... call your local tax advocate. they can tell you exactly wuts happening

Been dealing with this exact same issue! My transcript shows 846 code but WMR is still stuck on "processing" - it's so frustrating when you need that money ASAP. From what I've learned lurking here, if your transcript doesn't show "DPC" next to the 846 code, you're probably getting a paper check. Also check if there's any freeze codes (like 971 or 570) that might indicate why they switched from DD to check. The IRS systems are definitely not synced up properly between transcript and WMR updates 🙄