Anyone received their deposit for 3/22 direct deposit date?

It's probably not a reason to be concerned just yet. In my experience, the IRS deposit dates are more like... guidelines than exact promises. Sometimes the money appears a day early, sometimes a day or two late. Banks also have different processing times for incoming ACH transfers. If your transcript shows 3/22, there's a good chance it's already been sent but might be processing in the banking system. I'd suggest waiting until at least tomorrow afternoon before getting worried.

I was literally in the same situation last week! My DD date was 3/15 and I was refreshing my bank account every hour lol. I started freaking out when it wasn't there by noon. I used https://taxr.ai to check my transcript and it explained that sometimes there's a 24-48 hour delay between when the IRS sends it and when banks process it. The site actually predicted it would show up the next morning based on my bank's typical posting times, and sure enough it was there at 9am the next day! Saved me a lot of anxiety.

Ah, the annual "where's my money" dance with the IRS! 😂 I'm in the same boat - DD date of 3/22 and nothing yet. My bank usually posts around 3am and... nothing. Last year this happened too and it showed up exactly 24 hours after the promised date. The IRS is basically that friend who says they'll pay you back "next week" and then you have to awkwardly remind them.

I've analyzed this process extensively, and here's what happens: 1. IRS assigns the DD date on your transcript 2. They initiate the ACH transfer (usually 1 day before) 3. The Federal Reserve processes the transfer 4. Your bank receives and posts the deposit The delay could be at any of these steps. When I faced this issue last year, I spent 3 hours on hold with the IRS. I eventually used Claimyr (https://claimyr.com) to get through to an agent in about 15 minutes. They confirmed my payment had been sent and was just delayed in the banking system. Saved me days of worry and hold music.

Be careful about counting on exact deposit dates! I had a DD date of 3/8 and didn't actually receive my $4,327 refund until 3/11. The IRS representative I eventually reached explained that they initiated the payment on 3/8, but it took exactly 3 business days to process through the banking system. If you don't see anything by Tuesday (3/26), then you might want to start investigating.

Have you checked your bank's pending transactions? Sometimes it shows there before it's fully posted. Also, did you have any tax preparation fees taken out of your refund? That can add an extra day or two as it goes through the tax preparer's bank first.

Watch out for potential offset notifications. If you have any federal or state debts (student loans, back taxes, child support), the Bureau of Fiscal Service may have intercepted your refund. When this happened to me, my transcript showed a DD date but the money never arrived. Instead, I received a notice (CP504) about two weeks later explaining that my refund had been applied to a previous tax debt. If your refund doesn't arrive by Monday, I'd recommend checking for any potential offset issues.

Good news! Mine just hit about an hour ago with the 3/22 DD date. My transcript updated last Friday showing the 3/22 date. I was getting nervous too, but it came through right on time. According to the IRS website (https://www.irs.gov/refunds/timing-of-irs-refund-processing-bank-and-financial-institution-processing), most banks process electronic deposits within 1-2 business days. Hopefully yours arrives soon!