I've been following this thread closely as I'm experiencing the EXACT same issue with First Horizon. My DDD was 2/20 and still nothing as of today (3/9). What's particularly frustrating is the inconsistent information from their customer service - I've been told everything from "we don't see any pending deposits" to "it's being processed" to "the IRS hasn't sent it yet." After reading everyone's experiences here, it's clear First Horizon has a deliberate policy of holding tax refunds for 3-5 business days beyond the DDD, despite their marketing about "fast access to funds." This seems like a classic case of banks using our money as a short-term interest-free loan. I'm planning to take action on multiple fronts based on the advice shared here: 1. Call their ACH department directly (does anyone have that number?) 2. Request written documentation of their hold policy 3. File a CFPB complaint citing the specific Treasury regulations mentioned 4. Get IRS documentation of the exact send date to counter their "we haven't received it" claims Has anyone successfully gotten First Horizon to admit to this hold policy in writing? That would be incredibly valuable for a CFPB complaint. Also, for those who switched banks after this experience - which institution did you move to that actually processes tax refunds promptly? This thread has been more helpful than hours of calling their customer service. Thank you all for sharing your experiences! 🙏

I'm experiencing the exact same issue with First Horizon! My DDD was 2/23 and here we are on 3/9 with still no deposit. What's really getting to me is how their customer service reps keep giving completely different explanations each time I call. Reading through all these experiences, it's crystal clear that First Horizon has a systematic policy of holding tax refunds for 3-5 business days beyond the DDD, regardless of what their marketing says about "fast access to funds." The pattern is too consistent across multiple people and tax seasons to be coincidental. I'm definitely going to try the ACH department approach that several people mentioned, and I love the idea of getting their hold policy in writing for CFPB complaints. Has anyone found success with escalating to branch managers in person rather than just phone calls? Also, for those considering switching banks after this - I'd be really interested to hear recommendations for institutions that actually process tax refunds promptly. This whole experience has me seriously reconsidering where I bank. Thanks to everyone for sharing their stories - it's frustrating that we're all dealing with this, but at least we're not alone! The collective advice here is way more valuable than anything I've gotten from their customer service. 🤝

Does anyone know if RSUs get reported on a 1099-B or just on the W-2? I've been getting conflicting information.

Welcome to the RSU club! One thing I wish someone had told me when I first got RSUs - consider the timing of when you might want to sell after vesting. Since the vested shares are already taxed as ordinary income at vesting, any future gains will be taxed as capital gains. If you hold for more than a year after vesting, you get the more favorable long-term capital gains rate instead of short-term (which is taxed as ordinary income again). Also, don't forget that RSUs can push you into a higher tax bracket in the year they vest, especially if you have a large vesting event. It might be worth talking to a tax professional about estimated quarterly payments if your regular paycheck withholding won't cover the extra tax burden from the RSUs.

I'm going through this exact same situation right now! Filed my 1040X about 6 weeks ago, got Letter 4364C last week saying they processed my amendment with no tax change, but the "Where's My Amended Return" tool still just shows "received." Reading through all these responses has been incredibly reassuring. It sounds like this discrepancy between the letter and website is completely normal, and I should trust the physical letter over the online tool. I was starting to worry that something went wrong or that the letter was a mistake. I'm definitely going to keep that letter in my permanent tax records and stop checking the website obsessively. It's good to know that even if the online status never updates, the amendment is actually complete. Thanks everyone for sharing your experiences - this community is so helpful for navigating these confusing IRS processes!

This is such a common source of confusion for taxpayers! As someone who's been through this exact scenario, I can confirm that the Letter 4364C is definitely the authoritative source - not the online tracking tool. The IRS has acknowledged this is a known issue with their systems not syncing properly. What's frustrating is they don't really publicize this fact, so people naturally assume something's wrong when the statuses don't match. One thing I'd recommend is also checking your IRS online account (not just the "Where's My Amended Return" tool) to see if the changes are reflected there. Sometimes the main account view updates faster than the amendment-specific tracking tool. But even if that doesn't show the updates, your Letter 4364C is still your official confirmation that everything was processed correctly. The good news is that once you get that letter, you're done! No need to take any further action or keep checking the website. Just file the letter away with your tax records and move on.

Just wanted to add some clarification that might help with your planning - the OASDI tax is actually deducted from your paychecks throughout the year by your employers, so you don't need to calculate or pay it separately when you file your taxes. Each employer withholds 6.2% of your wages up to the annual limit ($168,000 for 2024, $175,800 for 2025 as someone mentioned). The key thing to remember is that if you change jobs during the year or have multiple employers simultaneously, each employer treats your OASDI withholding independently. So if you made $100,000 at Job A and $80,000 at Job B, you'd have OASDI withheld on the full $180,000 even though you should only pay it on $168,000. That's when you'd claim the excess back on your tax return. Your spouse's income has absolutely no impact on your individual OASDI calculation - you each get your own $168,000 limit regardless of your combined household income or filing status.

I just went through this exact situation last year and can confirm what others have said - the OASDI limits are completely individual, not combined for married couples. My husband and I both earn over the $168,000 limit, so we each paid the maximum $10,453.20 in Social Security tax. One thing I learned the hard way is to keep track of your year-to-date OASDI withholding if you switch jobs mid-year. I changed employers in August and my new company started withholding OASDI from zero again, even though I had already hit the limit at my previous job. I ended up overpaying by about $800 and had to claim it back as a credit on our tax return. The good news is that tax software usually catches this automatically when you enter multiple W-2 forms, but it's worth double-checking the math yourself. Your filing status (joint vs separate) has zero impact on OASDI calculations - it's purely based on individual earnings.

Has anyone actually been audited by the IRS over a family loan with the wrong interest rate? I'm loaning my sister $30k and don't want to deal with all this AFR stuff but also don't want to get in trouble.

I went through this exact situation last year when I loaned my daughter $50,000 for her business. Here's what I learned from my tax attorney: For a 6-month loan, you definitely need the short-term AFR rate. Since you're getting paid back in one lump sum at the end, use the semi-annual compounding rate from the IRS Revenue Ruling published for the month you make the loan. The key thing everyone misses is that you MUST actually charge and collect the interest, not just put it on paper. I made the mistake of "forgiving" the interest at the end, and my CPA told me that could still trigger gift tax issues since I was essentially giving her the interest amount. Also, make sure your loan agreement includes a specific maturity date, not just "about 6 months." The IRS wants to see definite terms. I used a simple promissory note template but had it notarized just to be extra safe. One more tip: if your brother can't pay the full amount back at 6 months, don't just verbally extend it. You'll need to formally modify the loan agreement or it could look like you're just gifting money with extra steps.