Woodforest customer for 5 years. They always deposit my tax refund exactly on the DDD date, usually around 3am. They don't do early deposits like some online banks. Just set an alarm for 3am if you're desperate to see it right away lol

i was in a similar situation last month. DDD of 1/30 with Woodforest and it hit my account exactly at 3:02am that day. i stayed up just to check lol. they're pretty consistent with the timing.

If it makes you feel any better, I'm in the exact same situation but with Current Bank instead of Varo. 3/19 DDD, still nothing as of this morning (3/20). Called Current and they said they haven't even received it from the IRS yet. So frustrating!

Has anyone else noticed that the deposit times have been getting worse every year? I used to get my refund within a week of filing back in like 2015. Now it takes 6+ weeks even when there are no issues. The whole system needs an overhaul.

I've been looking at the IRS data and they're WAY behind on processing returns compared to previous years. Their systems are ancient and they're understaffed. If you need your refund urgently, try using Claimyr to get someone on the phone. I was stuck for weeks until I called and got a human to look at my account - had my money 3 days later. Getting an actual person to review your case makes all the difference in the world.

Filed March 3rd, got my refund March 20th through Cross River/Chime. But my transcript showed "refund approved" on March 15th with a DDD of March 22nd. So I got it 2 days early, not 5. I think Chime oversells that 5-day early thing tbh.

I'm in almost the exact same boat - filed Feb 17, using Chime, claimed EIC. My transcript updated yesterday with a DD date of March 7. Since you filed a few days before me, check your transcript soon if you can access it!

FYI the IRS has a huge backlog this year. They're still catching up from pandemic staffing issues and the new tax law changes are slowing everything down. My tax guy told me to expect delays for everyone this season.

Check your transcript! It will tell you the exact date the IRS sent your refund. If it shows code 846 with date 2/26, that's when the IRS is releasing the money, NOT necessarily when it hits your bank because SBTPG has to process it first. The IRS transcript is always more reliable than any other source.

Last year I couldn't get any info about my refund and wasted hours trying to reach the IRS. This year I used claimyr.com to get through to a human at the IRS and got all my questions answered in one call. It was so worth it to finally talk to someone who could tell me exactly what was going on.

My situation was the same but with Chime. The date passed, nothing showed up. I was freaking out for days. Then suddenly the money appeared a week later with no explanation. The whole system is messed up and none of the dates mean anything. I seriously don't understand why they even give dates if they're not going to stick to them.

I never trust the WMR tool anymore. Last year it told me my return was still processing AFTER I already received my refund. This year it gave me a deposit date, then changed to "still processing" after that date passed, then a week later the money just showed up. It's completely unreliable.

I was in the same boat. Cash App tried to deposit early, got rejected, then nothing on my DDD. I was freaking out cause I needed that money for rent. After researching for hours I finally broke down and used this service called Claimyr that got me through to an IRS agent in like 45 minutes. The agent explained there was a name mismatch that triggered a fraud alert. She fixed it on the spot and my refund was deposited the next day. It was the only way I could talk to a live agent after trying for days on my own.

Update for anyone in the same boat: my refund JUST hit my account about 5 minutes ago! Chime Bank, DDD 2/27, rejected last Thursday when they tried early deposit. So it's definitely coming through today!!

Sometimes there's a mismatch between the name on your tax return and your bank account that can cause delays. For example, if your tax return has your full legal name but your bank account is under a nickname, or if you recently got married/divorced and changed your name. Might be worth checking with SOFI if there's a name verification issue.

I work at a bank (not SOFI). Digital banks often have different processing schedules for ACH transfers compared to traditional banks. While the Federal Reserve might process the transaction on the DDD, it can take 1-3 additional business days for the receiving bank to post it. Since your DDD was Tuesday, and today is Friday, I'd say wait until Monday before assuming there's a problem.

Anybody else notice that the WHERE'S MY REFUND tool is absolute garbage? It's still showing "processing" for me even though the money hit my account this morning. 🤦‍♂️

I'm so confused about my transcript. It shows code 150 with a date of 3/25, then code 806, then code 570 dated 3/25, then code 971 dated 4/1. No 846 code yet. Anyone know what this means or when I might actually see my money?

the system is designed to be confusing on purpose i swear. they don't want u to understand whats happening with ur own money

I went through this EXACT situation last month. After days of stress and trying to decipher IRS codes, I used taxr.ai which analyzed my transcript and showed me exactly what was happening. Turns out my 570 code was just because they were verifying my identity after I moved. The tool gave me a predicted refund date that was spot on - came within 2 days of what it predicted. Highly recommend it if you're stuck in 570 limbo. https://taxr.ai