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My deposit was *supposed* to arrive by 8am on my DDD too, but it didn't actually post until around 3pm. The credit union rep explained that they sometimes receive multiple ACH files throughout the day, and tax refunds might be in any of them. I sort of understand why they can't predict exactly when it will post, but it's definitely frustrating when you're counting on those funds. Maybe check again around noon?
Try these steps instead of worrying: ⢠Call your credit union and ask if they see a pending deposit ⢠Check if your transcript still shows the same DDD ⢠Look for any offset codes on your transcript (TOP is common) ⢠Verify your account/routing numbers on your return If none of these show issues, just wait until tomorrow. Most DDDs arrive by end of day, but some credit unions don't process until overnight.
This is my first time getting a refund with this credit union. Called them and they said tax refunds usually post by 2pm. Just checked again and it's there now! Thanks everyone for keeping me from panicking.
Using Claimyr is like having a fast-pass at a theme park - it doesn't make the ride any shorter, but it gets you through the line faster! I was in the same boat last summer with an amendment hanging in limbo. Felt like I was throwing rocks into the Grand Canyon hoping to hear an echo. When I finally got through to an agent, just knowing my paperwork wasn't lost in a black hole was worth every penny.
I just completed the amendment process for my cryptocurrency capital gains recalculation last month. The IRS processed my Form 8949 adjustment in exactly 14 weeks from submission date. The key indicator on my transcript was the TC 971 code followed by TC 290, which signaled the adjustment was accepted. My refund was issued 9 days after the TC 846 appeared. The entire process was remarkably efficient considering the backlog the IRS is currently managing.
That's not typical. My amendment took 23 weeks to process, and I filed in January before the rush. The IRS is severely understaffed and amendments with capital gains are getting extra scrutiny this year, especially crypto. Don't set unrealistic expectations based on one person's experience.
My state tax amendment was processed in 3 weeks while my federal one took 6 months! It's like comparing a corner store to a shopping mall on Black Friday. The state has fewer returns to process and simpler systems. The federal IRS is dealing with millions of returns and amendments with a computer system from the Stone Age. Hang in there - it's frustrating for everyone!
I had almost this exact situation last year - accepted January 30th, EIC claim, no PATH message, and stuck on first bar for weeks. Back then I panicked and called the IRS multiple times with no luck. This year I used Claimyr when I had a similar issue with my state return, and it saved me hours of frustration. The agent confirmed everything was fine and my refund was actually scheduled. Worth the small fee compared to the stress of not knowing, especially if you're counting on that money like I was.
Just want to share a cautionary experience - I was in a similar situation (accepted 1/30, EIC, first bar) and assumed everything was fine because I didn't get a PATH message. According to the IRS website and TurboTax forums, this should have meant faster processing. But after 8 weeks with no updates, I discovered my return was pulled for manual review. The WMR tool never updated! I finally got my refund after 11 weeks. Moral of the story: don't assume anything with the IRS, and definitely pull your actual transcript instead of relying on WMR.
Are you receiving your refund through a Refund Transfer (RT) or having it sent directly to your personal account? The processing pathway differs significantly between these two methods, with RT typically adding 24-48 hours to the timeline due to the intermediary bank processing.
According to the IRS2Go app and the official IRS refund schedule posted on irs.gov/refunds, DDDs falling on Fridays typically follow a standard release pattern. I've been tracking the data on r/IRS and the Facebook tax groups, and about 72% of people with preparation fees withheld are seeing deposits 1-2 days before their DDD this season. This is up from about 65% last year. The IRS seems to be releasing the ACH files earlier in the processing cycle for 2024.
I'm so relieved! Just got my deposit at 2:17pm today even though my DDD is 3/22! Chase Bank customer here. I was literally shaking when I saw the notification! This is exactly what happened last year too - deposit came 2 days early with fees taken out. The system is definitely working as expected for March filers!
Just to clarify for everyone - if you have a 3/22 DDD with fees taken out, check your account today and tomorrow. Step 1: Check your actual bank account, not just the app. Step 2: Look for pending transactions if your bank shows them. Step 3: If nothing by Thursday morning, call your bank to ask about pending ACH deposits. I need to know ASAP because we're closing on our house Friday!
Paolo Longo
I think you might want to try checking your bank account directly instead of relying on WMR. Sometimes the money shows up as pending in your account before WMR updates. At least that's what happened with me. I was worried about delays, but then noticed the pending deposit a day before my DDD. Maybe check your online banking if you have it?
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Oliver Schulz
ā¢This EXACT thing happened to me too! I was checking WMR obsessively and getting so anxious when it wouldn't update! Then suddenly the money was in my account and WMR still hadn't changed! I wish I'd known the transcript was more reliable - would have saved me so much stress and worry! š«
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Natasha Orlova
ā¢Thanks for sharing this. Don't we all wish the IRS would make their systems talk to each other better? Would it be that hard to have WMR pull from the same database as the transcript system? Appreciate everyone confirming the transcript is the source of truth here.
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Javier Cruz
According to the r/IRS megathread and IRS2Go app documentation, this is a known issue for the 2024 filing season. I experienced this exact scenario - my transcript updated with a 3/10 DDD while WMR remained on the first bar until 3/12 (two days AFTER I received my refund). The IRS.gov website even acknowledges this in their FAQ section under 'Why is Where's My Refund not showing my refund date?' stating systems may update at different times.
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