Just wanted to share a win - I was in this exact situation last week with Chime and my 4/17 DDD. According to the IRS2Go app and my transcript on irs.gov, everything was set for 4/17, but nothing was showing up early. I finally got my deposit exactly on 4/17. Based on what I've researched on r/tax and the Taxpayer Advocate site, the IRS has been very precise with release dates this year compared to previous years.

Just to clarify something important - the 'up to 5 days early' isn't actually an IRS feature, it's your bank deciding to front you the money before they actually receive it from the Treasury. The IRS doesn't care when your bank makes funds available to you. They just schedule the transfer for your official DDD, and it's up to your bank whether they want to give you access before they actually receive it.

I've worked with tax clients for years, and I can share that this tax season has been particularly slow for processing. I personally filed on January 29th and didn't get my direct deposit until February 20th - and that was with a very simple return! Last year, I had several clients who used the TurboTax + Chime combo. The average wait was 17 days from acceptance to deposit, despite the "5-day early" marketing. One client even called TurboTax customer service about it, and they explained that the 5-day early promise is compared to traditional banks, not compared to the IRS processing timeline. The IRS has been dealing with staffing issues and system updates this season, so everything is taking longer than usual.

Think of the tax refund process like waiting for a package. TurboTax is just the service that helps you place the order (your tax return). The IRS is the warehouse that has to process your order, pack it up (process your return), and ship it (issue your refund). Chime is just the delivery person who brings it to your door. No matter how fast your delivery person is, they can't deliver a package that hasn't shipped from the warehouse yet! Instead of constantly checking WMR, I recommend creating an account on the IRS website to view your tax transcript. It's like having access to the warehouse's internal tracking system instead of just the generic "out for delivery" status. The transcript will show specific codes that tell you exactly where your return is in the process.

I think I've figured out what's happening with the BoA DDD issue. There appears to be a processing lag specifically for amended return refunds (1040-X) in the ACH system. My deposit just hit at 5:12pm today despite having a DDD of today. The transaction details showed a processing timestamp of 2:47pm from the Treasury. This is consistent with the FMS (Financial Management Service) processing schedule for secondary distribution batches. Regular returns seem to process in the morning batch while amended ones are in the afternoon batch. Check your account between 5-7pm.

Here's what you need to know about DDD timing with Bank of America: • Bank of America typically processes IRS deposits in 3-4 batches throughout the day • First batch: 3-5am Eastern • Second batch: 10am-12pm Eastern • Third batch: 2-5pm Eastern • Final batch: 7-9pm Eastern For amended returns specifically: • They often process in later batches (afternoon/evening) • The IRS flags them differently in the ACH system • Some BoA branches show pending deposits, others don't • Online banking sometimes updates before the mobile app I'd recommend checking again after 5pm. If nothing by tomorrow morning, then call the IRS.

Spent THREE HOURS on hold with the IRS last month for the exact same issue. You know what's frustrating? They told me the 570 code was just because they were verifying my W-2 information with my employer. Nothing wrong with my return at all! But couldn't they just tell us that instead of making us panic? Wouldn't a simple notification save everyone time and stress? My hold was released after 16 days without me doing anything, and I got my refund 8 days later. The system is broken, but your money will probably come through eventually.

Here's how to navigate the IRS phone system effectively: 1. Call 800-829-1040 (as mentioned above) 2. When prompted, select option 2 for "personal income tax" 3. Then select option 1 for "tax questions" 4. Then option 3 for "all other questions" 5. When asked for SSN, DO NOT ENTER ANYTHING 6. When prompted again, select option 2 for "personal or individual tax questions" 7. Finally, select option 4 for "all other inquiries" This bypasses some of the automated systems and gets you to a representative faster. Best times to call are early morning (right when they open) or mid-week. Avoid Mondays and Fridays when call volume is highest.

Fwiw I've had this happen 3x now with TT. Their fine print says "up to 5 days early" which basically means they can give it whenever they want before the official date. Last yr they got my $$ on Tues but didn't release until Fri. Called 2x and got nowhere. This yr I skipped the "advance" option and got my refund direct deposit from IRS in 8 days total. No fees, no waiting on some random bank to decide when I get MY money. IMO these services are just taking advantage of ppl who need $ asap.

I successfully resolved this exact issue last month by using specific terminology with the bank. When I called Republic Bank (TurboTax's partner), I specifically asked about their "Regulation CC compliance" and mentioned that I was documenting the call for a potential CFPB complaint regarding fund availability timelines. The representative immediately transferred me to a supervisor who processed my refund release within the hour. Financial institutions have discretion on fund holds, but they're extremely sensitive to regulatory compliance inquiries. Be polite but firm - ask specifically what "verification process" is still pending if they've already withdrawn their fees.