According to IRS Publication 1345 and the PATH Act provisions, returns claiming EITC or ACTC cannot be issued before February 15th of the filing year, regardless of when they were filed. Your state refund timing is consistent with normal state processing, which operates independently of federal refund timelines. Most states do not have equivalent PATH Act restrictions, allowing for faster processing of state returns even when credits are claimed. The federal system is likely still processing your return within their normal 21-day window.

Anyone notice how state refunds seem to be processing faster this year? Is it just me, or have others experienced this too? I wonder if the states have implemented new processing systems while the IRS continues to struggle with their outdated infrastructure. Either way, don't count on your federal refund arriving with the same speed, especially with those credits. The PATH Act delays are real, folks!

According to IRS Publication 1544, direct deposit refunds are typically processed within 1-3 business days of the designated deposit date. Have you received any notices or letters from the IRS regarding verification of your dependent status? Under Section 152(c) of the tax code, the IRS may require additional documentation for first-time claimants of dependents following a divorce. Has your former spouse also attempted to claim the children?

What you're experiencing is normal with the PATH Act processing timeline. The IRS uses TC 766 for Child Tax Credit issuance and TC 768 for Earned Income Credit. Your deposit date of 2/28 is the scheduled date, but ACH transfers typically take 1-2 business days to complete through the Federal Reserve's payment system. If your WMR shows a DDD, your return has passed all verification stages including the Dependent Database crosscheck. Banks sometimes hold deposits until the actual date even if they receive the funds early. Check your account for pending transactions.

I had this exact situation last filing season. My transcript updated with DDD of March 15th while WMR was stuck on the first bar. I was caring for my elderly mother and desperately needed the funds for medical expenses. I checked WMR obsessively every few hours, but it never updated past the first bar. The funny thing is, my refund actually deposited on March 15th exactly as the transcript said it would, but WMR still showed the first bar for another 4 days afterward! The transcript is definitely the more reliable indicator in my experience.

OMG this happened to me and everything turned out fine! WMR was stuck on first bar for daaaays but my $$ showed up right on time per my transcript date. Don't stress abt the WMR tool - it's notoriously slow to update. My tax guy says they run different systems that don't sync in real time. Btw, I got my refund exactly at midnight on my DDD date (actually 9pm PST the night before). Bank released it right away. You're good to go! 👍

According to the IRS.gov website and multiple tax professional forums, code 846 definitively indicates a scheduled refund. The date associated (2/28 in your case) is when the Treasury will release the funds to your financial institution. As others have mentioned, most banks process these within 1-2 business days, though some make funds available immediately. If you're interested in learning more about transcript codes, the IRS has a manual called the Transaction Codes Pocket Guide that explains each code in detail.

Got my 846 code last week. Money showed up exactly on date. No delays. Was surprised how accurate it was. Banking with Chase if that helps.

Oh my god I'm in the EXACT same situation and I'm freaking out!! 😫 I filed on February 9th with corrections to my W-2 and NOTHING has happened! I check WMR literally every morning and it's stuck on the first bar. I'm so worried something is wrong with my return! Last year I got my refund in like 2 weeks, but this year it's been almost two months and I'm getting really anxious because I need that money for car repairs. Has anyone had their return just suddenly appear after being stuck for this long? I'm starting to lose hope... 😞

I filed on February 5th and was stuck with no movement until last week. What finally worked for me was calling the IRS Taxpayer Advocate Service instead of the main line. I explained I was experiencing financial hardship waiting for my refund (which was true - needed it for medical bills), and they were able to check on my return status. Turns out my return was flagged for a simple verification that could have been resolved weeks ago if someone had just told me. After that call, my WMR updated within 48 hours. The regular customer service lines are practically useless this time of year.