Just an FYI - for some reason this year all my communication from IRS is going to spam folder in gmail. Check there too maybe?

Did you file married filing jointly? Sometimes if you're the secondary person on the return it goes to the primary person's account only.

I swear waiting for tax refunds is the adult version of being a kid on Christmas Eve 😂 except santa is the IRS and they might just decide to skip your house

The IRS website clearly states that if your DDD is a weekday, the funds are sent to your bank ON THAT DAY. It takes 1-5 business days for your bank to process. Some banks make funds available immediately, others take their sweet time. The IRS has zero control over when your bank makes the funds available to you after they send it.

So the "test" deposits - are those actually real money? Or just a notification that money is coming? My cousin swears he got a test deposit that disappeared then reappeared.

I see people on TikTok still claiming to get early deposits, but I think they're just recycling content from previous years to get views. Literally everyone I know personally has gotten their refund exactly on DDD date this year.

Protip: If you want to actually talk to a human at the IRS, use Claimyr. It got me through after weeks of trying. The agent saw my return was just sitting there waiting to be processed, and they moved it along while I was on the phone. Worth every penny for the peace of mind alone. claimyr.com saved me so much stress!

Did you file by mail or electronically? Paper returns are taking 6+ months right now

Have you contacted your bank again to double-check they have the correct info on their end? Sometimes banks will claim it's an "incorrect account number" when really it's another issue on their end. Just making sure you're covering all bases before settling in for the long wait.

omg im in the EXACT same boat right now!! its so frustrating. my refund was big this year (~$4800) and i was counting on it for some car repairs. my tax guy also messed up my bank info somehow. following this thread for advice 👀

Dude i just went thru this exact same thing last week. State came fast, fed was supposed to deposit wednesday. Checked transcript, had 846 code. Nothing came wednesday or thursday and i was freaking out. Finally on friday morning i wake up and boom, there it was. Just give it another day or two, im pretty sure you're fine.

Check to see if you had any offsets. If you owe student loans, child support, etc. they will take that out of your refund. Your transcript should show that but sometimes WMR doesn't catch up right away

After struggling with a similar issue, I finally got through to the IRS using claimyr.com. Turns out there was a flag on my account that was delaying my refund despite having a DDD. The agent removed it and my money showed up 2 days later. Talking to an agent got my refund released so fast instead of waiting around wondering. Seriously the only way I could actually get a human on the phone!

I'm an accountant and see this ALL THE TIME this year. There are massive delays with several banks including Credit Karma. The issue is volume - the IRS is processing refunds in batches and some batches are getting delayed on the receiving end. Nothing to worry about yet, but if it goes beyond 5 business days from your DDD, then call the IRS directly to confirm it was actually sent.

I see you filed through H&R Block. They actually have a specific phone number for refund status issues that's separate from the general customer service line. Worth a try to see if they have more insight on your specific situation. I used them last year and they were able to tell me my return had been flagged for manual review due to a mismatch in reported income.

Check if you claimed any credits like Earned Income Credit or Additional Child Tax Credit. Those automatically get extra scrutiny and often cause delays, sometimes up to 6-8 weeks. The PATH Act requires the IRS to take more time verifying these claims.

I actually work for a bank (not customer service). Direct deposits from the government are processed differently than regular ACH transfers. The IRS sends them in batches, and sometimes there can be delays in processing. Also, the effective date (your DDD) is when the money is SUPPOSED to post, but technical issues can cause delays. I'd say wait until Monday before getting too concerned.

Update: just checked again this morning and my refund finally hit my account! Still no change on the tracker though - it still says "approved" and not "sent" 🤡 The IRS systems are such a joke.

This tax season has been a nightmare for so many people. The IRS systems are so outdated it's ridiculous. I spent HOURS trying to understand my transcript before a friend recommended taxr.ai. It explained everything in simple terms and even showed me that my refund was actually coming 2 weeks sooner than I thought based on the processing codes! Worth checking out: https://taxr.ai

I don't have One card, but just wanted to say I've had my DDD of 3/15 since March 7th and still nothing in my Wells Fargo account. This is my first time using direct deposit so I'm nervous too!