In my experience, most banks typically do not release funds before the actual DDD, though there might be some exceptions. Credit unions sometimes process a day early, but major banks generally stick to the exact date or possibly the next business day. I would suggest possibly calling your bank to ask about their specific policy regarding IRS direct deposits, as this could potentially give you more clarity about your situation.

Just checked the IRS refund discussion forum at igotmyrefund.com and most people with 5/3 DDDs are reporting they haven't received deposits yet. According to the patterns there, about 15% of people get deposits a day early, 75% get them on the exact DDD, and 10% get them a day late. Your bank matters a lot - online banks like Chime tend to release early while traditional banks like Wells Fargo stick exactly to the DDD. Hope this helps!

Have you tried these steps to troubleshoot? 1. Clear your browser cache and cookies 2. Try accessing your account from a different browser 3. Check if you're logged into the correct IRS online account (sometimes people have multiple accounts) 4. Verify the notification you received is actually from the IRS and not a phishing attempt 5. Try accessing the IP PIN section directly through the IRS main page rather than through any links in emails Just curious - how did you receive notification that they issued the PIN? Was it by email, physical mail, or through your online account message center?

This happens more often than you'd think. Here's what you need to know: • IP PINs typically take 2-3 business days to appear online • Peak tax season (now) can extend this to 3-5 days • The notification system and the online display system are separate • If you need it urgently, calling is your best option • Weekend days don't count as business days for IRS systems I'd give it until at least Friday before worrying too much about it.

EVERYONE NEEDS TO MARK THEIR CALENDARS FOR THE 21-DAY MARK! This is way more important than most people realize. Last year I waited 42 days when I could have called at 21 and resolved my issue in one day. This year I'm calling exactly on day 22 if I don't see movement. Compared to state returns, which often process in 7-10 days, the IRS timeline is painfully slow. Don't let them make you wait longer than necessary!

Just to clarify for anyone else reading this thread - the 21-day timeframe the TA mentioned is specifically for the "Where's My Refund" tool guidance. According to Publication 5344, the IRS advises taxpayers to wait this period before inquiring about refund status. I'm a bit concerned because my Cycle Code on my transcript hasn't updated yet either.

Had this exact problem. Missing W-2 was $1,200. Got 60-day letter. Called IRS after 30 days. They confirmed they found the missing W-2. Said to wait. Got adjusted refund 2 weeks later. No need to amend. Just be patient. System works.

I'm in the same boat right now! Forgot a $1,200 W-2 from a side gig. Got my 60-day letter three weeks ago. Called the IRS yesterday (only took 4 hours on hold... my personal best! 🙄) and they confirmed they're just adjusting my return based on the missing W-2. Said I should get my adjusted refund in about 2-3 more weeks. The agent specifically told me NOT to amend since they're already fixing it. Apparently amending now would just throw another wrench in the system.

The blank transcript indicates your return hasn't entered the primary IRS processing queue yet. This is different from normal processing delays. I'd recommend bypassing the general line (800-829-1040) and instead call the Taxpayer Advocate Service at 877-777-4778. They can initiate a formal inquiry if your return has exceeded normal processing timeframes, which at 8+ weeks, yours definitely has. Request a "Taxpayer Assistance Order" if you're experiencing financial hardship due to the delay. This triggers an expedited review of your case.

I waited 3 months for my refund last year after filing in February. Called every week. Each time they told me "just keep waiting." Finally got a letter saying they needed to verify my identity. But by then, I'd missed the payment deadline on my car loan that I was counting on the refund for. The late fees and credit score hit were brutal. Don't just wait like I did - be proactive! And definitely don't make financial plans assuming the refund will arrive on time. The IRS works on their schedule, not yours.