Anyone else with Direct Deposit Date of 3/15 using Chase Bank - let's keep each other posted

Based on my experience with refunds and Chase, you'll probably see your money 1-2 days before the official deposit date. The IRS typically releases the payments to banks slightly ahead of the DDD (Direct Deposit Date) shown on your transcript. Chase specifically tends to post these deposits as soon as they receive them rather than holding them until the actual date. For a March 15th DDD, I'd start checking your account on March 13th. Many Chase customers (myself included last year) often see their tax refunds appear early in the morning on the business day before the official date. Sometimes you might even see it pending the day before it actually posts. If you don't see anything by the end of day on March 15th, then I'd recommend checking your transcript again to make sure nothing changed and possibly contacting Chase to verify they don't have a pending deposit for you. Also, remember that the "Where's My Refund" tool on the IRS website might not update as quickly as your actual deposit, so your money could arrive before that tool shows it's been sent.

Honestly using a tool like taxr.ai saved me SO much stress during tax season. Instead of constantly refreshing my bank account and checking transcript codes, it just explained everything that was happening with my refund. It automatically decoded all the confusing IRS transcript stuff and sent me updates when things changed. https://taxr.ai was a lifesaver for me this year - especially when my refund got delayed and I was freaking out trying to understand why.

I was in the exact same waiting game last month. Finally got fed up with refreshing the page every 5 minutes and used this calling service called Claimyr (claimyr.com) that got me through to an actual human at the IRS. Definitely worth every penny to finally talk to someone who could explain exactly what was happening with my refund. The agent confirmed everything was fine and my deposit was actually scheduled for the next day even though the system hadn't updated yet! Saved me another week of anxiety.

Chase customer here with DDD of 2/28. Got my deposit at 3:12am on 2/28 exactly. No early deposit for me but at least it was on time. Seems like Chase is pretty consistent with being on time but not early from what I've seen.

Just a heads up, I'm with Chase and my DDD was 3/8. It hit my account this morning (3/8) at 2:47am. No early deposit, but it was right on time. From my experience over the past few years, Chase almost always deposits exactly on the DDD, not earlier. Don't get your hopes too high about seeing it early, but it should definitely arrive on the 15th.

got mine last yr 1 day b4 the DDD with Chase. But my friend with the same DDD didnt get hers til the actual date.it seems random tbh

Chase banker here (not official capacity just to be clear). The timing depends on when the ACH file is received and processed. We typically process IRS deposits as soon as we receive them, which can be 1-2 days before the effective date, but may not show in your account until the actual date. Some customers see it early, some don't - it depends on the batch processing and when the IRS initiates the transfer. There's no way to predict it unfortunately.

I have Chase and already got my refund on Monday (my DDD was 3/6). It came a day early for me. Last year it came 2 days early. It seems totally random tbh.

Anybody else's WMR tool still showing "processing" even with a DDD on transcript? My transcript shows 3/15 deposit date but WMR still says processing. Wondering if this is normal or something to worry about 🧐

Friendly reminder that DDDs that fall on Fridays sometimes process differently than other days of the week. Since 3/15 is a Friday, some banks might not process until Monday if they don't do weekend processing. Chase usually does process on weekends tho so you should be fine.

Hey so I'm with Chase too and my DDD is also 3/15. Looks like we're in the exact same boat. I'll update here when mine hits if you'll do the same? Fingers crossed for an early deposit!

I know this doesnt help Chase people, but for anyone else reading: Credit unions tend to deposit 1-2 days earlier than the big banks. Just FYI for future tax seasons if your getting tired of waiting with the big banks.

Not Chase but I'm with BoA and my DDD is also 3/15. Letting you know that the whole DDD thing is a mess this year. I know 3 people with the same DDD as me but different banks who already got their refunds yesterday. Meanwhile WMR still shows processing for all of us. The IRS systems are a complete joke this yeaR 🤦‍♂️

the cycle codes on ur transcript matter 2. whats ur cycle code? mines 20240905 and i have chase with ddd of 3/15 too

Anyone else notice how insanely SLOW the IRS is this year?? My friend filed AFTER me and already got his refund while I'm still sitting here with a DDD two weeks out. What a joke.

Remember folks, having a DDD means you're in the home stretch! You've made it past all the verification and processing steps. The money is coming no matter what, it's just a question of exactly which day. Be happy you're not still stuck in processing hell like some of us 😭

The whole "IRS processing time" has been crazy this year. I used taxr.ai and it actually predicted my deposit date perfectly when the IRS website was still showing processing. It basically told me exactly what was happening behind the scenes. Turns out there was a small verification delay but nothing to worry about. https://taxr.ai

Just wanna warn people - sometimes your bank will RECEIVE the deposit but not POST it immediately. That's why some people report seeing deposits early while others don't. If you call Chase and ask if there's a pending deposit, they might be able to tell you even before it shows up in your account.

I have a DDD of 3/12 with Chase and I'm still waiting. Starting to get worried tbh. Was really counting on this today...

FYI - if your refund is over $10,000 it sometimes takes an extra day for fraud verification at most banks including Chase. Just something to keep in mind if you're getting a big refund