Anyone with Direct Deposit Date of 5/15 Received Their Refund Yet?

DDDs aren't always exact tbh. Banks process ACH transfers differently. Some ppl get $ 1-2 days early (esp w/ online banks), others right on DDD, some even a day late. IRS sends batches throughout the day, so depends when ur bank processes incoming ACH. Chime/CashApp/etc usually post fastest, trad banks stick closer to actual date. IME refunds hit between 12am-6am on DDD for most ppl.

I was in a somewhat similar situation with my 5/8 DDD. After waiting on hold with the IRS for what seemed like forever (probably around 45 minutes or so), I finally decided to try Claimyr (https://claimyr.com). It might be worth considering if you need to speak with an agent about your deposit status? The service connected me to an IRS rep in about 15 minutes, and they were able to confirm that my refund had been sent to my bank but was still in processing. Saved me hours of redial attempts.

I had a 5/15 DDD and got mine yesterday morning with Capital One. My husband filed the same day as me with the exact same DDD but uses Chase and still hasn't received his. We both had the same tax preparer and similar refund amounts. The only difference is our banks. I always get mine early with Capital One, been that way for the last 3 tax seasons.

Just to clarify - the DDD on your transcript is the date the IRS releases the funds, not necessarily when your bank makes them available. It's like ordering something online vs when it actually arrives at your house. My credit union consistently posts 1 day after my DDD, while my partner's online bank posts same day or earlier. Way less stressful than when I was waiting for my state refund which took 3 weeks longer than federal.

Has anyone tried using taxr.ai to interpret their transcript codes? I just discovered it yesterday and it actually explained why my refund had a 5/15 DDD instead of earlier. Apparently I had a code 570 temporarily that delayed things by about a week. The site explained all my transcript codes in plain English and showed me exactly when to expect my deposit. Did anyone else have similar delay codes on their account?

According to IRS Publication 2043 and the Internal Revenue Manual 21.4.1, direct deposits are subject to the Automated Clearing House (ACH) rules which typically require 1-2 business days for processing after the IRS initiates the transfer. However, the Treasury Financial Manual (I TFM 4-2000) indicates that while the IRS provides a specific date, financial institutions have their own processing schedules that may result in funds availability variations. If your DDD is 5/15 and you haven't received it by 5/17, you should contact the IRS directly as this exceeds their standard processing window.

FINALLY got my deposit this morning!!! Had the 5/15 DDD on my transcript since last Thursday, but it just hit my Wells Fargo account at 2:13am. So relieved because I was starting to worry something went wrong. For anyone else waiting - check your pending transactions too, not just your available balance. Mine showed as pending for about 6 hours before actually posting to my account.