Been there too! Chime rejected my refund last month and I was stressing hard. The good news is the IRS automatically sends a paper check - took about 2.5 weeks for mine to arrive. While you're waiting, definitely check your IRS transcript online to make sure the rejection is the only issue. Also worth updating your address on the IRS website if you've moved recently since that's where the check will go. I know the waiting sucks but you will get your money! Try calling that taxpayer advocate number someone mentioned if you need faster help - they're usually more helpful than regular IRS customer service.

This exact thing happened to me with Chime about 6 months ago! So frustrating when you're counting on that money. The IRS automatically reissues as a paper check - mine took exactly 19 days from the rejection date to arrive in my mailbox. While you're waiting, definitely log into your IRS online account and check your transcript to see the rejection code (usually 841) and make sure there aren't any other issues. Also double-check that your mailing address is current with the IRS because that's where they'll send the check. I know it feels like forever but the money will come! The paper check process is actually pretty reliable once it gets going.

This has been an incredibly helpful thread! I'm dealing with a similar situation - variable income throughout the year and trying to avoid overpaying estimated taxes during lower-income quarters. One thing I wanted to add for anyone following along: if you're self-employed or have significant 1099 income in addition to your W-2, don't forget to factor in the self-employment tax when doing your annualized calculations. The SE tax applies to the full amount of self-employment income (subject to Social Security wage base limits), and it's easy to underestimate your total tax liability if you only focus on income tax. Also, I've found it helpful to do a mid-quarter check-in on my calculations, especially for Q1 when you might get late-arriving tax documents (like corrected 1099s or K-1s) that could affect your annualized projections. Better to adjust early than get surprised at filing time. For those using tax software or online tools, make sure whatever system you choose can handle multiple income types and timing differences. I learned this lesson the hard way when my first tax software couldn't properly account for the timing of my consulting income versus my day job salary. The record-keeping advice mentioned earlier is spot-on - I keep a monthly spreadsheet with income sources, estimated tax payments made, and withholdings. Takes 10 minutes a month but saves hours during tax season and gives me peace of mind that I'm on track.

This thread has been incredibly comprehensive! As a tax professional who works with clients in similar situations, I want to add a few practical tips that might help anyone implementing the annualized income method: **Quarterly Documentation Best Practices:** - Create a simple one-page summary for each quarter showing your income sources, deductions, annualization factor, and resulting tax calculation - Include copies of pay stubs, 1099s, and any other income documents received during that quarter - Note any assumptions made (like estimated K-1 amounts) so you can adjust in later quarters **Common Pitfalls to Avoid:** - Don't forget state estimated taxes if you live in a high-tax state - the annualized method applies there too - Remember that some deductions (like student loan interest or IRA contributions) have income phase-outs that might affect your calculations - If you're married, make sure you're coordinating estimated payments with your spouse's withholding and any estimated payments they might be making **Technology Integration:** While manual tracking works great, many modern accounting software solutions can help automate the quarterly income tracking. Even basic versions of QuickBooks or similar software can categorize income by quarter and generate reports that make the annualized calculations much easier. **Final Reality Check:** Always do a sanity check by comparing your calculated quarterly payment to what you would owe using the equal installment method. If there's a huge discrepancy, double-check your math - it's easy to make errors when annualizing complex income streams. The annualized method is powerful for uneven income situations, but it does require more attention to detail than the standard approach. The effort is usually worth it to avoid overpaying during low-income quarters!

Has anyone dealt with unclaimed refunds for a deceased person? My cousin passed 3 years ago and we just found out he was owed a big refund that was never claimed. Is there a process for that?

I'm dealing with a similar situation right now with my father's estate. One thing I learned is that even if no one files the return, the IRS penalty for late filing is actually reduced to zero if no taxes are owed. However, if your uncle was self-employed, there's a good chance he might owe self-employment taxes even if his income was low. You might want to start by gathering any 1099s or other tax documents that might have been mailed to his address. If he was doing consulting work, clients who paid him more than $600 should have sent 1099-NEC forms. The IRS gets copies of these too, so they'll know about that income even if no return is filed. Also, check if your state has any separate filing requirements for deceased persons - some states have different rules than the federal government. It's usually worth filing even if you think he didn't owe anything, just to close out his tax obligations cleanly.

If you're still having trouble with ID.me recovery, you can also try calling the IRS directly at 1-800-908-9946. They can sometimes help you access your account information over the phone if you verify your identity with them. It's usually a long wait but might be worth it if the other methods aren't working for you.

Had this exact same problem last year! Here's what finally worked for me: 1) Clear your browser cache completely, 2) Try using a different browser or incognito mode, 3) Make sure you're using the exact same device/browser you originally signed up with if possible. ID.me is really picky about device recognition. Also if you have multiple email addresses, double check you're using the right one - I was trying to recover with the wrong email for weeks! 🤦‍♀️

For Cash App deposits, I've noticed they typically hit between 12:01 AM and 6:00 AM on the DDD date, but it can vary. Since your rent is due on the 4th (same as your DDD), you should be fine - just maybe don't cut it too close if you need to transfer the money elsewhere. I'd recommend setting up notifications in Cash App so you get alerted the moment it hits rather than constantly checking. Go to your Cash App settings and make sure "Payment Notifications" are turned on. That way you'll know immediately when it arrives instead of driving yourself crazy refreshing the app. Also, just to ease your mind about the routing number - if the IRS accepted your return and gave you a DDD, that means your banking info was correct. If there was an issue with your account details, you would have gotten an error message or your refund would have been converted to a paper check by now.

I'm in the exact same boat! Filed through FreeTaxUSA on February 20th, got accepted within hours, and my DDD shows March 4th on the IRS website. My Cash App account is fully verified and I've triple-checked my routing and account numbers, but there's absolutely nothing showing as pending. After reading everyone's experiences here, I feel so much better knowing this is normal for Cash App. I was honestly starting to think I'd made some terrible mistake with my banking info. The fact that Cash App just doesn't show pending deposits the way traditional banks do makes total sense now. I'm definitely going to check out some of those tracking tools people mentioned - taxr.ai sounds like it could give me more peace of mind than obsessively refreshing the IRS website every few hours. And I had no idea about Claimyr for actually getting through to the IRS if needed. This community is amazing for sharing these resources! For anyone else stressing about this - sounds like we just need to be patient and trust that our refunds will hit on our DDD dates, even without any advance warning from Cash App.