Mine just hit my American 1 account about 20 minutes ago! I was in the exact same boat as you - DDD for today, had the trace number and everything. Last year it came through at 9:30am but today it didn't post until 1:45pm. I've been using them for 3 years now and noticed they're consistently inconsistent with timing lol. But they've never missed the actual date shown on my transcript. Check your account again - bet it's there now or will be by end of day!

Be careful about assuming the deposit will arrive today just because that's your DDD. Several factors can cause delays even after the IRS releases funds: • Bank processing delays (especially if it's a high-volume day) • Account verification holds (some banks place 24hr holds on government deposits) • Partial offsets that weren't reflected on your transcript • Incorrect account information requiring manual verification I've seen people get burned counting on tax refund money being available same-day. Always have a backup plan if you need those funds immediately.

I filed on February 12th, 2024 and had the exact same issue. My WMR showed a deposit date of March 3rd but transcripts were completely blank until March 1st. The money hit my account on March 4th (one day after the official date). The transcript finally updated on March 5th, showing everything processed correctly. TurboTax took their fees ($89 in my case) and the rest came through fine. The key dates to watch are your DDD (March 5th) and then 1-2 business days after for the actual deposit.

The community wisdom on this is pretty consistent: when refund transfers with fee deductions are involved, there's almost always a disconnect between WMR and transcript availability. This appears to be, at least in part, because the IRS systems that feed these different tools don't synchronize in real-time. The WMR tool might be pulling from the Refund Processing Database (RPD), while transcripts are generated from the Integrated Data Retrieval System (IDRS), which may update on different schedules. Additionally, the third-party bank handling (possibly SBTPG or Republic Bank) creates an additional layer that can somewhat obscure visibility into the process. Most users report that despite these discrepancies, funds are typically received within 1-2 business days of the stated DDD, though occasionally it might stretch to 3 days depending on your bank's processing times.

If I understand correctly, this might be related to the software provider's business model, rather than something you selected. Most, though not all, tax preparation companies use SBTPG as their financial processor, even for their free filing options. It seems somewhat counterintuitive, but perhaps it's more cost-effective for them to use a single system for all filings? I'm wondering if anyone has found tax software that bypasses SBTPG entirely?

Unlike online shopping where you can go straight to the manufacturer, tax filing is more like buying through a marketplace that has its own payment processor. I was in the same boat last year - filed completely free but still saw SBTPG handling my refund. The difference? When I paid for premium service in 2022, they took $39.95 off the top. With free filing in 2023, my full amount came through untouched. It took about 36 hours longer than when I filed directly with the IRS in previous years, but every penny arrived safely.

Credit Human did this to me last year too. My DDD was on a Monday and I didn't see the money until Thursday afternoon. Called them multiple times and kept getting the "it takes 3-5 business days to process" line. This year I switched to a different bank and my refund posted the same day as my DDD. Some smaller financial institutions just don't have the systems to process these deposits as quickly as the big banks do. If this is a recurring issue for you, might be worth considering a different bank for next year's refund.

Have you checked if Credit Human has any specific policies about tax refunds? Some banks place longer holds on government checks, especially for larger amounts. Did you receive any notifications from them about a hold? Also, is this a new account with them or have you received refunds there before without issues?

Called NetSpend yesterday. Refund was on hold. Had to verify identity. Released funds immediately after. Same DDD as you. Got money this morning. Don't wait. Call them now. Ask specifically about holds.

I've used NetSpend for three years now, and this happens every tax season. Last year my refund came 4 days after the DDD, the year before it was 3 days late. This year with a 3/19 DDD, it arrived on 3/22. It's consistently slower than when I used Chase Bank, which would always deposit on the actual DDD or sometimes even a day early. The convenience of NetSpend for other features outweighs this annual delay for me, but it's definitely more frustrating compared to traditional banks that process tax refunds much more efficiently.