Anyone with Chase Bank still waiting for 5/15 direct deposit from IRS? Nothing showing yet

IRS direct deposits can sometimes take up to 5 business days to actually hit your account after the date listed on your transcript. The 846 code means your refund has been approved and scheduled, which is good news! The bank won't see it until it's actually transmitted by the Treasury. If you don't see anything by next Wednesday (assuming no holidays), then you should call the IRS. Make sure to check both your account transaction history and pending deposits daily. Sometimes these deposits hit accounts at weird times - not just in the morning like regular direct deposits.

I had this EXACT same problem but finally figured out what was happening with my refund using taxr.ai - it's a tool that actually explains all those cryptic codes and dates on your transcript. Turns out my DD was delayed because of a verification issue I didn't even know about. The tool showed me exactly why it was held up and when I could expect it (2 days later than transcript date). Way better than trying to piece together random info from posts like a detective. Here's the site: https://taxr.ai

I was in the same situation with my refund and Chase last month! After waiting 3 days past the DD date and getting nowhere with the automated IRS line, I used this calling service called Claimyr (claimyr.com) and they got me past the busy signals to talk to an actual IRS agent. The agent told me my deposit was sent but needed address verification, and they fixed it right there. Money was in my account two days later. Seriously saved me weeks of waiting and confusion.

I bank with Chase and had a DD date of 5/10. Money showed up on 5/12. Chase sometimes holds tax refunds for a day or two for "verification" which is so annoying. If you're really worried, go into a branch and ask them to check if there's any pending deposit or hold on your account.

the IRS is a friggen joke these days. My wife's refund was supposed to come 2/15 and we didnt get it til 3/1. No explanation, no nothin. Just had to wait. meanwhile I'm trying to pay bills and they're sitting on OUR money. Not like they pay us interest for being late right???

I have BofA not Chase, but had a similar issue last month. My DD date was 4/20 but nothing came through until 4/24. I called the IRS and they said once they send it, it's up to the banks to process it, and some banks hold tax refunds longer than regular deposits. So frustrating but nothing you can do but wait unfortunately.

Check if your transcript has any other codes like 570 or 971 near the 846. Those could indicate there was an adjustment or hold that might delay things. If it's just the 846 with no other recent codes, then it's probably just the normal delay between IRS sending and bank posting.

Pro tip: If you're worried about your refund, create an account on the IRS website and download your transcripts. The transcript will show if there are any issues with your return or if the refund has actually been sent. Look for code 846 which means refund issued.

I went through this last year with Chase. Called them like 5 times and they kept saying they didn't see anything. Finally on day 4 after my DD date the money just appeared in my account. No explanation, no notification, just suddenly there. The whole system is a mess.

Do you have offset? If you owe any federal or state debts like student loans, child support, etc, they might have taken some/all of your refund. You'd get a letter explaining this but sometimes the letter comes after the reduced refund. Check your transcript to see if the amount changed.

I just went through this nightmare. My deposit date was 5/1 and I didn't get it until 5/8. I called the IRS every day for a week using that Claimyr service (claimyr.com). On day 6 they told me there was a "processing error" on their end that was fixed during the call. Refund came the next day. It was worth getting someone on the phone instead of just waiting and wondering.

Have you checked Where's My Refund on the IRS website? Sometimes that gives more up-to-date info than the transcript. Also did you get a notification from the IRS app (if you have it installed)? I got a push notification about an hour before my refund actually hit my bank.

The IRS doesn't actually deposit the money at midnight on the DD date like everyone thinks. They process the ACH transfer on that date, which means it usualy takes 24-48 hours (business days only) to actually hit accounts. Some banks (like mine) show the pending deposit as soon as the ACH is initiated, others (like Chase apparently) don't show it until it fully posts. Just wait a bit longer.

I saw someone post this in another thread, but if you filed with TurboTax or H&R Block and had fees taken out of your refund, sometimes that can cause delays because your money goes through their bank first before getting to you. Did you pay for tax prep with your refund?

I was confused about my tax transcript too - couldn't figure out why my refund wasn't showing up despite having a DD date. Used taxr.ai and it showed me that the refund was actual sent on the right date but my bank was holding it for verification. The tool even showed which bank was causing the delay! Saved me hours of stress and research.

Anyone else notice how the IRS seems to ALWAYS be late with refunds but if you owe them money they want it RIGHT ON TIME? 🙄 I had a DD date of 4/5 this year and didn't get it until 4/12. No explanation, no apology, just "that's how it works". Meanwhile if we're late paying we get hit with penalties and interest. Make it make sense.

DD dates are more like suggestions than actual commitments 😂 Just keep checking your account daily. In my experience Chase has been slower than other banks with IRS deposits. My husband got his through our credit union 2 days before I got mine through Chase, even though we filed together and had the same DD date.

I was literally in your exact situation a few weeks ago. Had to call the IRS but could never get through on their normal number. A friend told me about Claimyr (claimyr.com) and I finally got to speak with an agent who told me there was a verification flag on my account that was causing the delay. Got it resolved in that call and my refund showed up 3 days later. Talking to an actual human at the IRS made all the difference.