02/26 DDD - Any early deposits for Frost Bank customers?

I've had this happen before. Last year my DDD was 2/22 but I didn't see it until the actual date. Some banks like Chime or Cash App are known for releasing funds early, but traditional banks like Frost typically hold until the official date. I've checked the IRS refund forums and this seems to be consistent with what others report for Frost. You're probably not going to see it until the actual DDD.

Are you utilizing the Account Transcript or the Return Transcript to verify your DDD? The Account Transcript with Code 846 is the definitive indicator of your refund status, while WMR can lag behind by 24-48 hours in updating. Also, did you verify if there are any pending offsets (Code 898) or examination holds (Code 570) that might delay the actual deposit?

I was in a similar situation... waiting and waiting. I finally decided to call the IRS to confirm everything was on track, but couldn't get through after trying for days. Someone suggested using Claimyr (https://claimyr.com) to get past the hold times. I was hesitant at first, but it actually worked - got me through to an agent who confirmed my deposit was scheduled and hadn't been delayed. Might be worth trying if you're concerned about the status.

I bank with Frost too and my DDD was February 15th. It didn't hit my account until exactly 3:17 AM on the 15th. I was checking obsessively starting on the 13th because I saw posts about early deposits, but Frost seems to stick right to the exact date.

Have you looked at your actual tax transcript? Sometimes there's information there that doesn't show up on WMR. I was confused about my refund timeline until I used https://taxr.ai to analyze my transcript. It explained all the codes and gave me a much clearer picture of what was happening with my refund. It might help you understand if there's any particular reason for the timing with your Frost deposit.

People need to understand that the DDD is exactly what it says - the date the deposit is SCHEDULED. The IRS releases the funds on that date, then it's up to your bank how they handle it. Some online banks make a business model out of releasing early. Traditional banks like Frost make their money differently and typically don't release until the actual date. Nothing wrong with either approach - just different business models.

Think of your tax refund like a package delivery. The IRS gives it to the carrier (ACH system) with specific instructions not to deliver until a certain date. Some carriers ignore that and drop it off early (online banks), while others follow the instructions to the letter (traditional banks like Frost). I once switched from Chase to Current specifically for early deposits, then got burned when my refund had a last-minute adjustment and the "early" deposit had to be returned. Sometimes the traditional approach is safer.

I've tracked Frost Bank deposit patterns for the past 3 tax seasons. Out of 17 data points from friends and family, they've released funds on the exact DDD 14 times (82.4%) and the day after 3 times (17.6%). Not once have they released early. The average deposit time was between 2:00am and 5:30am on the DDD. If your DDD is 02/26, I'd set an alarm for 6:00am on the 26th to check - you'll almost certainly have it by then.

I've learned some interesting things about DDDs from this community: • Most traditional banks don't release early • The IRS actually sends batches of deposits 1-2 days before the DDD • Online banks that advertise "early deposit" are just fronting you the money • Some credit unions occasionally release a day early • DDDs that fall on weekends or holidays usually process the previous business day I was surprised to learn the IRS doesn't actually send the money on the DDD itself!