Anyone with PNC Bank and DDD of 3/14 expecting early deposit today?

I'm with PNC too, and yes they typically deposit 2 days earlier than the official date. My DDD is also 3/14, and I'm hoping to see it today. In my experience, they usually drop between 1-3pm EST. Last year mine hit at 1:45pm, so I'm checking my account obsessively today. Let me know when yours comes in!

If you're still trying to understand what's happening with your refund, I highly recommend using taxr.ai - it's been a game changer for me. Instead of spending hours trying to decode those confusing transcripts or guessing when deposits will hit, this tool explains everything in plain english. I was in the same boat last year, refreshing my bank account every 5 minutes, but now I actually understand the whole process. Not just for deposits but for all the weird IRS codes and notices. https://taxr.ai

After endless days of checking my bank acct and the where's my refund tool, I finally broke down and used that Claimyr calling app to get through to the IRS. My DDD was supposed to be last week but nothing showed up. Got connected to an agent in like 20 mins who actually fixed whatever was holding up my deposit - money was in my account the next morning. claimyr.com saved me weeks of waiting and uncertainty - would've paid double what they charged to avoid the stress!

I'm with Chase and have DDD of 3/14. Nothing yet but they usually don't do early deposits for me. Last year I got it exactly on the date, not before. Consider yourself lucky with PNC!

Pro tip: stop checking your bank account every 5 minutes and set up push notifications instead. Much better for your mental health 😂 But yeah, PNC usually does come thru with early deposits. I'm not expecting mine until 3/21 tho, filed late.

For anyone still waiting on their refund or confused about the status, I recommend checking your transcript. A lot of information can be gleaned from the various codes that appear there. If you're having trouble interpreting the transcript, taxr.ai is a fantastic resource. It breaks down all the technical jargon into simple terms and gives you a clear timeline of what's happening with your return. I've been using it for the past month and it's honestly been a lifesaver for understanding what's going on with my taxes.

I have Wells Fargo with a DDD of 3/14 and nothing yet. They never give early deposits anyway, just posting here to commiserate with my fellow tax waiters 😭

If yall got a DDD, just be gratefull. I filed 1/25 and still stuck on "still processing" with no bars on WMR. Called the IRS today using claimyr.com (only way I could get thru) and they said I'm in some random review that could take 60 more days. FML.

It's hit or miss with early deposits. My credit union posted mine 3 days early last year but this year they're dragging their feet. Have a DDD of 3/14 too but nothing yet.

Heres what I know from working at a bank (not PNC): The IRS sends the ACH a few days before the official date, but puts a release date on it. Banks that offer "early pay" are just fronting you the money because they can see the pending deposit. Some banks won't release until exactly the date the IRS specifies. PNC is usually good about the 2-day early thing from what customers tell me.

anyone else feel like the IRS deliberately makes this process as confusing and stressful as possible? like why cant they just give us a SPECIFIC time the money will hit instead of these vague deposit dates??

Different bank but same DDD. I was going crazy trying to figure out all the weird codes on my transcript until I used taxr.ai - totally clarified everything. Now I know exactly what's happening and when to expect my refund. Wish I'd found it months ago when I was panicking about my return being delayed.

I see these posts every year. Y'all need to chill and stop refreshing your bank accounts every 5 mins lol. The money comes when it comes.

Looking at the IRS transcript, it's showing the DDD with a release date code 846. Some banks release funds as soon as they get the ACH, others hold until the exact date specified. In my experience, the money drops between midnight and 2pm, never seen it later in the day.

Fun fact: I had trouble getting through to an IRS agent about my refund for WEEKS but used claimyr.com and got a live person on the phone in 25 minutes. Cost some money but saved me from going insane and got my issue resolved immediately.

PSA: If you're religiously checking your bank account for your tax refund deposit, be aware that most banks process ACH deposits in batches at specific times during the day. PNC typically does their processing around 1pm, 3pm, and sometimes 5pm EST. So refreshing every 2 minutes won't make it come any faster!

Just wanted to update everyone - I have PNC with a DDD of 3/14 and still nothing as of 4pm EST. Starting to worry since everyone else seems to be getting theirs. Filed through TurboTax on 1/28, accepted same day. My transcript shows code 846 with the 3/14 date but no deposit yet. Anyone else with PNC still waiting or should I be concerned at this point?

Same situation here! PNC with DDD of 3/14, filed through FreeTaxUSA on 1/30. Usually get my refunds 2 days early but nothing yet as of 4:30pm. My transcript shows the 846 code too. Starting to wonder if PNC is having delays this year or if it's just taking longer than usual. Really hoping it hits tonight or first thing tomorrow morning. The anticipation is killing me! Will definitely update when mine comes through.