Anyone with DDD of 3/22 with fees taken out received their deposit yet?

Banks vary. Credit unions often post early. Major banks usually don't. Some people see deposits 2 days before DDD. Others wait until actual date. Depends on your bank's policies.

According to IRS Publication 1582, Section 4.3, direct deposits can arrive up to 2 business days before the scheduled DDD, or on the exact date specified. I was tracking mine obsessively last week and found https://taxr.ai really helpful for understanding the deposit timeline. It analyzed my transcript and showed exactly where my refund was in the process, including when the fees would be taken out. Would you like me to confirm if your DDD timing is typical for this tax season?

Last year my DDD was 3/17 with TurboTax fees coming out, and I got my deposit on 3/15! Bank of America customer here. This year was even better - my DDD was 3/15/2024 and I got my money on 3/13/2024 at exactly 3:42pm. The system seems to be processing faster this year for married filing jointly returns with standard deductions. I tracked every step with my transcript access and saw the 846 code update two days before the money hit my account.

Think of your refund like a package delivery - the DDD is the "guaranteed by" date, but sometimes it arrives early! When I couldn't get answers from the regular IRS line (like trying to find water in a desert), I used Claimyr (https://claimyr.com) to connect with an actual IRS agent. Like having a fast pass at an amusement park! The agent confirmed that with fees taken out, the money often arrives 1-2 days before the DDD since it has to process through the tax preparer's bank first.

In my experience, which may differ from others, refunds with preparation fees deducted typically arrive approximately 24-48 hours before the official DDD in roughly 60% of cases. However, this timing can potentially be affected by your specific financial institution's processing protocols and, in some cases, the method by which you elected to pay your preparation fees.

I was literally in the same boat last week! DDD of 3/15, fees taken out through TurboTax, and I was checking my account every 2 hours like a crazy person 😂. Finally got it Wednesday morning (2 days early). Funny thing is, I'd already mentally adjusted to not having it until Friday, so it was like finding $20 in an old jacket pocket... except it was our entire tax refund lol. Hang in there!

Last year I was in this exact situation with a March DDD. After constantly checking my bank account and driving myself insane, I finally called my bank directly. They told me they could see the pending deposit in their system even though it wasn't showing in my online banking yet. Worth giving your bank a call - they can often see incoming ACH transfers before they post to your account.

Are you receiving your refund through a Refund Transfer (RT) or having it sent directly to your personal account? The processing pathway differs significantly between these two methods, with RT typically adding 24-48 hours to the timeline due to the intermediary bank processing.

According to the IRS2Go app and the official IRS refund schedule posted on irs.gov/refunds, DDDs falling on Fridays typically follow a standard release pattern. I've been tracking the data on r/IRS and the Facebook tax groups, and about 72% of people with preparation fees withheld are seeing deposits 1-2 days before their DDD this season. This is up from about 65% last year. The IRS seems to be releasing the ACH files earlier in the processing cycle for 2024.