DDD 3/15 with Green Dot card - it's midnight and still no deposit. Anyone waiting too?

Tax professional here. This isn't unusual at all. While your Direct Deposit Date (DDD) is 3/15, that only means the IRS has released the funds on their end. It typically takes 1-5 business days for the money to actually land in your account, depending on your financial institution. Green Dot and other prepaid cards sometimes take a bit longer than traditional banks. A few things to keep in mind: - Some banks don't process deposits on weekends - The bank might be holding it for 24-48 hours for verification - If today is the official DDD, give it until at least tomorrow afternoon - You can check your transcript again to confirm the refund was actually sent If you don't see it by Monday, I'd recommend calling Green Dot directly to see if they can see a pending deposit in their system.

I was in the EXACT same boat last month. Desperately checking my account every 10 minutes waiting for that deposit! I finally got tired of playing detective trying to figure out what was going on with my refund and transcript codes. I tried a tool called taxr.ai that explained exactly what was happening with my refund and when I would actually get it. Turns out my DDD was just when the IRS released it, not when my bank would process it! The tool saved me so much anxiety and gave me a clear timeline. You should check it out at https://taxr.ai - honestly been a game changer for understanding the whole refund process.

After waiting for 3 weeks past my DDD with no deposit last year, I was determined not to go through that hell again. This year I got on the phone with the IRS using this app called Claimyr (claimyr.com) that got me through to an actual human at the IRS. The agent explained that my funds were released but there was a slight issue with my routing number that was holding things up. They fixed it on the spot and my deposit hit the next day. Best money I ever spent after wasting days trying to get through on my own. The IRS phone system is absolute garbage without some help.

I have a Green Dot card too and my DDD was today (3/15). Money just showed up like 20 minutes ago! Maybe check again?

This happened to me a couple years ago and I nearly had a heart attack because I needed that money for rent. Called Green Dot customer service and they said that even tho the IRS released the funds on the DDD date, they hold it for 24 hours for "security reasons" 🙄 which is complete BS since they just want to hold our money and make interest on it. Should hit tomorrow morning most likely.

My DDD was 3/15 too and I use Chime. Mine hit yesterday afternoon actually, a day early. I've heard Green Dot can be slower than some of the other banks/cards. The whole system is such a mess, you'd think in 2025 they could figure out how to make this more consistent! 🤦‍♂️

Green Dot is notoriously slow with tax refunds. I switched to Current this year after Green Dot held my refund for 3 days last year, and I got my money the day before my DDD this time. Might be worth considering for next year!

What time does your transcript say it was released? It should have a timestamp on it somewhere. I was freaking out one year until I realized my DDD time was actually 3:42am, so it wasn't technically late yet.

The DDD doesn't mean squat anymore honestly. Mine said 2/28 and I didnt get it till 3/4. The IRS is such a joke. They expect us to pay them on exact dates but they cant even get their act together to pay us when they say they will. 🤬

has anyone else noticed that the IRS website is giving different information than the actual transcript? My "where's my refund" says one date but my transcript has a completely different date! So frustrating trying to navigate their system.

Emerald Card user here with 3/15 DDD (or technically 3/14 since it was a leap year). Mine hit at like 4am on my DDD. Green Dot is usually 3-8 hours after Emerald Card in my experience.

Am I the only one who thinks its wild that we're all just sitting here at midnight obsessively checking our bank accounts? The IRS has us all trained like pavlovs dogs lmaaoooo 🐶🔔

I've had Green Dot for years and they almost always deposit between 3-5am EST on the DDD or the day after. Never had it come earlier. Just go to sleep and it'll probably be there in the morning.