DDD Today for Amended Return but Bank of America Still Showing Nothing?

DDD (Direct Deposit Date) doesn't necessarily mean the funds will be available at midnight. According to the IRS.gov processing guidelines, banks can take 1-5 business days to post refunds after receiving them from the Treasury. You can verify your refund status on https://www.irs.gov/refunds which shows the actual transmission date to your financial institution. I'd wait at least 24 hours before assuming there's an issue.

I work with tax transcripts daily and can confirm that amended returns follow a different deposit schedule than regular returns. Looking at the current processing patterns, approximately 27% of amended return deposits are delayed by exactly 1 business day after the DDD, and another 14% by 2 business days. If you want to understand exactly what's happening with your transcript, I'd recommend https://taxr.ai - it can analyze your transcript codes and give you a precise timeline based on current IRS processing patterns. It confirmed my amended return would arrive 1 day after DDD (which it did) when I was in your situation last month.

I'm in the EXACT same situation with BoA. My DDD was March 20th, and it's now 4:30pm and still nothing. I called BoA on March 18th and they said they don't see any pending deposits. I tried calling the IRS today but couldn't get through after waiting 1 hour and 37 minutes. Finally used Claimyr (https://youtu.be/_kiP6q8DX5c) and got connected to an agent in about 15 minutes. The agent confirmed the payment was sent this morning but said it can take up to 24 hours to show in my account. I'm concerned because I need this money for a medical bill due on the 22nd.

Bank of America customer here. My tax refund hit my account at 5:45pm on my DDD, not at midnight like I expected. Don't worry yet! Their system processes ACH deposits throughout the day. I've had this happen three years in a row now. Your money is coming today, just not on the schedule we all hope for.

I think I've figured out what's happening with the BoA DDD issue. There appears to be a processing lag specifically for amended return refunds (1040-X) in the ACH system. My deposit just hit at 5:12pm today despite having a DDD of today. The transaction details showed a processing timestamp of 2:47pm from the Treasury. This is consistent with the FMS (Financial Management Service) processing schedule for secondary distribution batches. Regular returns seem to process in the morning batch while amended ones are in the afternoon batch. Check your account between 5-7pm.

Here's what you need to know about DDD timing with Bank of America: • Bank of America typically processes IRS deposits in 3-4 batches throughout the day • First batch: 3-5am Eastern • Second batch: 10am-12pm Eastern • Third batch: 2-5pm Eastern • Final batch: 7-9pm Eastern For amended returns specifically: • They often process in later batches (afternoon/evening) • The IRS flags them differently in the ACH system • Some BoA branches show pending deposits, others don't • Online banking sometimes updates before the mobile app I'd recommend checking again after 5pm. If nothing by tomorrow morning, then call the IRS.