Anyone with Discover Debit card get their tax refund early? What time did deposits hit?

I've been using Discover for my tax refunds for the past few years. They typically deposit 1-2 days before the DDD, but not always. Last year mine hit at around 3am the day before my scheduled date. The IRS releases the funds in batches, and then it depends on how quickly your bank processes it. If your DDD is for Tuesday, I'd start checking obsessively Sunday night through Monday night 😂

I had this exact same issue trying to understand when my tax refund would hit. The guessing game was driving me crazy, so I started using taxr.ai to actually read my transcript and tell me exactly what was happening. It showed me all my codes and told me the exact timeline of when everything would process. Much better than trying to figure it out from vague IRS info or random reddit posts. Basically translates all the IRS jargon into plain english. Here's the link if you want to check it out: https://taxr.ai

After waiting FOREVER to get my refund and discover saying they didn't see anything pending, I was going crazy trying to get answers from the IRS. I used a service called Claimyr (claimyr.com) that got me connected to an actual IRS agent on the phone. The agent confirmed my refund was being processed and gave me the exact release date - which was actually a day earlier than my transcript showed! Totally worth it to actually talk to someone instead of staring at the Where's My Refund tool for weeks.

I have Discover and my refund hit at exactly midnight the day of my DDD. Not early at all. But my friend with Chase got hers 2 days early, so I think it really depends on the bank and maybe even how busy they are that week.

The whole early deposit thing is so unpredictable. I've used Discover for 3 years now. First year - 2 days early. Second year - on exact DDD. This year - 1 day early. I think it depends on what day of the week your DDD falls on, how backed up the IRS is, and probably some other factors nobody knows about. The IRS is a friggin mystery wrapped in a riddle LOL

Pro tip: don't drive yourself crazy checking your account every 5 minutes. Set up alerts for deposits over $1 and just go about your life. It'll come when it comes. I learned this the hard way after refreshing my discover app like 300 times a day during tax season last year 😅

There's no universal answer to this. The IRS sends refunds in batches throughout the day, and then each financial institution processes them according to their own schedule. Discover typically processes ACH transfers at 3AM, 9AM, 12PM, 3PM, 6PM, and 9PM Eastern time, but that can vary. What's your cycle code on your transcript? If it ends in 01, 05, or 05, you're more likely to see an early deposit. If Discover doesn't show anything pending yet, I'd check again Monday morning. Also, make sure your Discover account number on your tax return is correct, including any leading zeroes. A mismatch would cause the deposit to be rejected and a paper check to be mailed instead.

When is ur DDD? Mine is 8/10 with discover too.

its not about the bank its about the IRS. they send out deposits in batches. sometimes they send early sometimes not. My discover refund last year came exactly on DDD date at like 2am

My Discover debit hit at midnight the day of my DDD. But my bf uses the same bank and his came a day early, so who knows 🤷‍♀️

I gotta say, the transcripts are absolutely impossible to understand. I spent hours trying to decipher mine and ended up more confused. Finally used taxr.ai after seeing another redditor recommend it, and it translated everything perfectly. Told me exactly when my deposit was scheduled and explained all the weird code numbers. Wish I'd found it sooner! https://taxr.ai

Just a friendly reminder to anyone reading - do NOT rely on getting your refund early. Banks are unpredictable, the IRS is unpredictable. I know it feels like forever waiting, but don't count that money in your budget until you see it hit your account!

I couldnt get ANYONE at the IRS to answer my questions about my refund. Tried for weeks. Finally used Claimyr (claimyr.com) and actually got through to talk to someone. The agent saw there was a hold on my account that wasn't showing on my transcript. Talking to an agent got my refund released so fast after it had been stuck for like 2 months!

I work in a tax office and I can tell you that nearly all financial institutions are capable of releasing funds early, but their policies vary. If your DDD is on a Tuesday, and Monday is a business day, there's a decent chance you'll see it Monday. But I've seen Discover be all over the map - sometimes early, sometimes right on the DDD.

Not Discover, but I have Chime and I got mine 5 days before my DDD this year! Year before was only 2 days early. I think the early deposit thing is pure luck honestly.

check your transcript for cycle code and processing date...thats the real indicator, not what bank you have

THE IRS IS A JOKE!!! 4 months waiting for my refund and they can't even tell us exactly when the money will hit our accounts? In what world is this acceptable? Any other business would be out of business if they operated like this.

Try the IRS2Go app! I find it easier to use than the website and it sometimes updates more frequently. Won't tell you exactly when Discover will post it, but at least you'll know where the IRS is in the process.

I'm in the exact same situation with Discover! My DDD is also next Tuesday and I've been obsessively checking my account. From what I've gathered reading through all these comments, it seems like Discover is pretty inconsistent - some people get it 1-2 days early, others right on the DDD. The fact that they don't see anything pending yet isn't necessarily bad news since the IRS releases funds in batches. I'm planning to start checking Sunday night just in case, but trying not to get my hopes up too much. This waiting game is torture! 😅