Transcript Shows 846 with DDD 4/24, But WMR Still Not Updated

This is completely normal during peak processing season. The 846 code on your transcript is the definitive indicator that your refund has been approved and scheduled for disbursement. WMR operates on a separate update cycle that typically lags 24-72 hours behind the master file updates that appear on transcripts. Your DDD of 4/24 means the funds should be released to your financial institution on that date, with availability depending on your bank's posting policies. I recommend monitoring your bank account rather than WMR at this point.

While your transcript indicates approved status, I'd suggest verifying that your banking information is correct on your return. According to IRM 21.4.1.3(7), incorrect banking details can result in refund delays even after an 846 code appears. If there's any discrepancy, per Publication 5344, you should contact the Treasury Offset Program directly at 800-304-3107 to ensure no offsets are pending against your refund. The IRS representative should have verified this information during your call.

Think of your tax refund like a package being shipped. The transcript is like the shipping company's internal tracking system that shows it's on the truck, while WMR is like the consumer-facing app that doesn't update as frequently. The good news is your package is definitely on its way! If you need to reach the IRS again for any reason, I've had great success using Claimyr (https://claimyr.com). It's like having a fast pass at an amusement park - skips the hold times completely. I was connected in under 15 minutes when normally I'd be on hold for hours. Especially helpful when you're dealing with medical expenses and need certainty about your timeline.

I work with tax returns daily, and here's what I've observed this season: 1. Transcripts update overnight between 12am-6am EST 2. WMR typically updates between 3am-6am EST but can lag 1-3 days behind transcript updates 3. Most financial institutions receive direct deposits early morning and post them same-day or next-day 4. Credit unions often post deposits faster than traditional banks With your DDD of 4/24, I'd expect the deposit to hit your account on 4/24 or 4/25 at the latest. The 846 code is the definitive indicator that your refund has been approved and scheduled.

Have you tried checking your account transcript instead of just the return transcript? I discovered exactly 3 weeks ago that my account transcript updated 36 hours before my return transcript showed the 846 code. It gave me an advance indicator that my refund was being processed. Given your 4/24 DDD, I'd recommend checking your bank account early morning on 4/24 - many banks post federal deposits between 3:00am and 5:00am local time.

The community consensus this season is that transcript 846 codes are the gold standard for refund tracking. WMR is basically the Internet Explorer of IRS tools - always a few days behind! From what we've seen in hundreds of posts, about 80% of refunds hit accounts on the exact DDD date, 15% arrive one business day later, and 5% arrive early (especially with certain credit unions). Your medical expenses should be covered right on schedule - the IRS may be slow to update their tools, but they're surprisingly punctual with the actual money transfers.

Word of caution from someone who's been there: even with an 846 code, keep an eye out for a potential offset. Last year I had a perfect transcript with DDD but ended up getting $1,800 less than expected because of a student loan offset I didn't know about. The 846 amount was the pre-offset amount. I was counting on that money for emergency dental work and was completely blindsided. Not trying to worry you unnecessarily, but if you're depending on this for medical expenses, it's worth double-checking that there are no potential offsets in your situation.

Thank you for sharing this detailed update, Malik! Your experience perfectly illustrates why so many taxpayers get anxious during refund season - the different IRS systems updating at different times creates unnecessary confusion. The fact that you have an 846 code with a DDD of 4/24 is definitely the most reliable indicator that your refund is on track. I've noticed this same pattern mentioned repeatedly in our community this year, where transcripts update days before WMR catches up. It's reassuring to know that the IRS representative confirmed this is just a system lag rather than any actual processing delay. Hopefully your medical expenses situation gets resolved quickly once that deposit hits! Keep us posted on whether it arrives on schedule - these real-world timeline reports are incredibly helpful for other community members in similar situations.

This is such a helpful thread! I'm currently in a very similar situation - transcript shows 846 with DDD 4/26, but WMR hasn't budged from "still processing" for over a week now. Reading everyone's experiences here is really reassuring, especially knowing that the transcript is the more reliable indicator. Malik, I completely understand the stress of waiting for medical expense funds - I'm in the same boat with some urgent dental work that needs to be done. It sounds like we can trust that DDD date based on what everyone is sharing here. Thanks to everyone who contributed their timelines and experiences - this kind of real-world data is so much more valuable than the generic IRS website information!