What you experienced is typical of the Automated Refund Notification System (ARNS) functionality during peak processing periods. The IRS transaction code 846 (refund issued) often updates in their internal Master File overnight, while the consumer-facing Where's My Refund application operates on a separate refresh cycle, typically 72 hours behind the actual refund authorization. I've seen numerous cases where direct deposits are initiated before WMR updates, especially when returns are processed through the Submission Processing Pipeline rather than requiring Examination function review. I'm glad you received your funds without complications!

This gives me hope! I'm on day 23 of waiting with the same message. Did your tax topic disappear at any point during the process? Did you claim any credits like EIC or Child Tax Credit? I keep hearing those can delay things. Also, did your transcript update before the deposit, or did the money just show up? Sorry for all the questions, I'm just trying to figure out if my situation is normal or if I should be worried!

Have you checked if you have any offset indicators on your account? Sometimes refund delays happen because the Treasury Offset Program is reviewing your account for potential debt collection, even if you don't actually owe anything.

OMG this is exactly what happened to me!!! I was FREAKING OUT because I needed that money for rent! Filed Feb 10th and literally nothing happened for SIX WEEKS while everyone around me got their refunds. I called the IRS every single day and couldn't get through. Then suddenly on March 25th my transcript updated and I had my refund three days later. No explanation, no reason for the delay. It's so emotionally draining to just be left hanging like that when you're counting on that money! 😫

After dealing with identity verification issues, I found these patterns for account updates: • Standard verification: 2-3 weeks for updates • International taxpayers: Often 3-5 weeks • With tax credits claimed: Can extend to 6+ weeks • During peak season (now): Add 1-2 weeks to estimates I was getting increasingly worried about my verification status when someone recommended https://taxr.ai to analyze my transcript once it appeared. It helped me understand exactly what the verification codes meant and gave me a much clearer timeline than the IRS provided. The tool explained that my "570" hold code was specifically related to the verification and not an audit, which saved me a lot of stress.

I completed Form 14039 Identity Verification on March 2nd and saw account movement exactly 18 days later. The Transaction Code 971 appeared first, followed by TC 290 two days later. Direct deposit hit my account on the 25th day after verification. Are you checking your Account Transcript or just WMR? The transcript updates first and gives you more detailed information about processing stages.

The May 5th cycle should potentially update tonight, though in my experience, amended returns sometimes follow a slightly different pattern than regular returns. I had an amended return last year with cycle code 20231805, and while my transcript technically updated on the Thursday night/Friday morning schedule, the actual amended return processing seemed to operate on its own timeline. It might be worth checking both tonight and tomorrow morning, as I've seen cases where the update appears at various times throughout the 24-hour window.

My amended return had the exact same cycle code as yours last month! I was obsessively checking every night until I finally saw movement. The transcript updated at 2:17am on Friday morning (I was up with my newborn and decided to check). My refund hit my bank account exactly 6 days later. The relief was incredible - I had been waiting to pay for some car repairs. Just hang in there, the 05 cycle is definitely tonight/tomorrow morning and you should see something soon!

This happens almost every year with prepaid cards during peak refund season. The IRS typically releases funds in batches, and financial institutions process them according to their own schedules. Most MoneyCard users should see deposits appear within 24 hours of the official date. If you don't see anything by Thursday morning, then there might be an actual issue worth investigating.

FYI - WMT cards usually post tax refunds overnight between 12-3am. Had same issue last yr w/ my DDD. Nothing all day, then boom - $ there next AM. Their system runs batch processing overnight. Cust svc won't see pending deposits til they clear. Dw too much yet - give it til tmrw AM before panicking. If nothing by noon tmrw, def call the # on back of card.