DDD 3/27 CHECK IN HERE - Daily Deposit Date Thread!

So it's like the IRS hands off a baton to the banks, and then we're waiting for the banks to cross the finish line? My DDD is also today but nothing's shown up yet.

Thx for the breakdown. Been thru this rodeo b4 & still get antsy every yr. My CU usually posts around 3am but sometimes takes until noon. DDD was yest for me & hit my acct at 4:17am. Now just waiting for state refund which is like watching paint dry lol.

This is perhaps the most comprehensive explanation of the DDD process I've seen. It certainly helps to understand that there are essentially two separate processes happening - the IRS release and then the bank posting.

I remember that feeling of watching the calendar like a hawk. Last year I had almost the exact same timeline as you, and the stress of waiting was real. Hope your deposit comes through smoothly!

Navy Federal member here. They typically post IRS refunds as soon as they receive them. Here's what to expect: 1. Watch for a pending deposit 1-2 days before your DDD 2. Funds usually become available at midnight on your DDD 3. Sometimes they release up to 2 days early 4. Set up alerts in the app for immediate notification 5. Don't schedule bill payments until funds are actually available

What's your processing cycle code on your transcript? The cycle code can tell you which day of the week your account updates, which might give you more insight into when you'll actually see the money.

Is this service legit? Seems weird to pay someone just to call the IRS for you. Couldn't you just keep calling yourself? I'm still waiting on my refund from February 15th and getting worried, but not sure about using some random service.

Your experience highlights an important point: • Bank account verification failures can trigger a paper check • Even one digit being incorrect can cause rejection • Some banks have been known to reject Treasury deposits with name mismatches • IRS systems don't always notify you of the rejection immediately • Paper checks typically take 2-4 weeks after a DD rejection I'd suggest double-checking your banking details on your return.

Oh no, that sounds so frustrating! 😟 I had something similar happen to my sister last year when she got married and changed her name but her bank account was still in her maiden name. The mismatch caused her direct deposit to be rejected! Hopefully this year goes more smoothly for you! 🤞

Do credit unions typically process faster or slower than traditional banks? My previous credit union took exactly 24 hours after my DDD to post. Current bank is Chase. Need to know if I should expect the same timing.

Wow, you really know your stuff about how all this works! 😮 I've been with three different banks over the years and they've all handled my tax refunds differently. My current credit union is amazing and usually makes the funds available the moment they receive them! Have you noticed any patterns with specific banks being consistently faster or slower?