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According to IRS Publication 2043 and the Internal Revenue Manual 21.4.1, direct deposits are subject to the Automated Clearing House (ACH) rules which typically require 1-2 business days for processing after the IRS initiates the transfer. However, the Treasury Financial Manual (I TFM 4-2000) indicates that while the IRS provides a specific date, financial institutions have their own processing schedules that may result in funds availability variations. If your DDD is 5/15 and you haven't received it by 5/17, you should contact the IRS directly as this exceeds their standard processing window.
I had no idea there were so many technical regulations governing this process! I've been filing taxes for 12 years and always assumed the DDD was just a guaranteed date. The ACH system is surprisingly complex with all these different processing rules between institutions.
Last year my DDD was April 19th, but the money didn't show up until April 21st. I called my bank on April 20th panicking, and they explained they had received the funds but had a 24-hour holding period for IRS deposits. I wish they'd make this clearer on the Where's My Refund tool instead of making us all stress about it.
FINALLY got my deposit this morning!!! Had the 5/15 DDD on my transcript since last Thursday, but it just hit my Wells Fargo account at 2:13am. So relieved because I was starting to worry something went wrong. For anyone else waiting - check your pending transactions too, not just your available balance. Mine showed as pending for about 6 hours before actually posting to my account.
According to the IRS Operations page (https://www.irs.gov/newsroom/irs-operations), they've been implementing system updates throughout the filing season. The WMR tool specifically has had several maintenance windows in the past month. If you're getting the "information doesn't match" error, you might also want to check if you're entering your information exactly as it appears on your tax return - even small differences like using an abbreviated street name can cause issues. The IRS official guidance (https://www.irs.gov/refunds/about-wheres-my-refund) suggests waiting 24 hours after seeing this error before trying again.
I had, perhaps, a somewhat similar experience about three weeks ago. The WMR tool suddenly stopped recognizing my information, and I was, understandably, quite concerned. After approximately 48 hours, it started working again, but with an updated status showing that my return was approved and a direct deposit date had been set. It's possible, though I can't say with certainty, that the system temporarily goes offline when they're updating your specific return status. Mine appeared to coincide with movement on my refund, which was somewhat reassuring in retrospect, despite being worrying at the time.
This might not be good news. Split payments sometimes indicate review flags. Different systems. Different timelines. Could mean manual review of return. Might be months more waiting. One payment doesn't guarantee the other.
Nah, don't stress too much! This is actually pretty normal this yr. Had same thing happen w/ my return. CTC came thru 3 wks b4 refund. IRS is just super backed up rn. As long as WMR doesn't show any errors or say you need to contact them, ur prob fine! The fact that they sent something to ur new acct is def a good sign they've processed at least part of ur return. Hang in there!
Are you claiming any credits like Child Tax Credit or Earned Income Credit? Those automatically get additional scrutiny and can delay processing by 4-6 weeks. Also, did you have any marketplace insurance that requires Form 8962 reconciliation?
Just got my refund today! Filed 2/15. No updates until yesterday. Nothing on WMR. Transcript just appeared. Money in account this morning. Don't lose hope. IRS is slow this year.
Oliver Zimmermann
The IRS API endpoints that power the WMR interface frequently experience latency issues during peak processing periods. This temporal inaccessibility doesn't necessarily indicate a problem with your return's adjudication status. I encountered identical authentication rejection parameters approximately 72 hours ago, yet my deposit materialized this morning without any interim status updates becoming available.
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CosmicCommander
Same thing happened to me yesterday. I tried everything - different browsers, cleared cache, even used my wife's phone. Nothing worked. Then this morning it's back to normal showing my refund is still processing. The IRS systems are just a mess right now with tax season in full swing. Don't waste your time trying to fix it - it's definitely on their end.
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