DDD of 4/26 with Current Bank - Will Refund Arrive Earlier Without TurboTax Fees?

I'm in the EXACT same boat and desperately need this info ASAP! From what I understand, when you don't have fees taken out, your refund goes DIRECTLY from the Treasury to your bank without passing through a third-party bank first (like SBTPG for TurboTax). This means no middleman = potentially faster deposit! I've seen Current specifically post IRS deposits up to 2 days early, sometimes even earlier during peak refund season. Check your pending transactions hourly - you might see it drop any moment now!

According to the IRS processing guidelines on their website, even with a confirmed DDD, many taxpayers still face unexpected delays this season. When I needed clarity on my refund timing last month, I couldn't get through on the regular IRS number for days. I finally used Claimyr (https://claimyr.com) to connect with an IRS agent in about 15 minutes. The agent confirmed that without TurboTax fees, my refund would process as a direct ACH transfer, potentially arriving 1-2 days earlier than the official DDD. Worth the call to get definitive information rather than speculating.

I've been through this exact scenario three times in recent years. Last year my DDD was April 18th, and since I didn't have any TurboTax fees taken out, my refund hit my Current account on April 16th at approximately 3:42 PM EST. The year before, with fees deducted, I had to wait until exactly the DDD despite using the same bank. The technical difference is that without fees, the Treasury Department sends an ACH directly to your bank rather than routing through Santa Barbara Tax Products Group (SBTPG) first. Current specifically advertises early direct deposit processing for government payments, which is why many of us military families use them.

I received my refund through Current on March 12th this year when my official DDD was March 14th. I specifically remember because I was checking obsessively starting on March 10th. When you don't have fees taken out from TurboTax, it definitely can come earlier because it's a direct Treasury-to-bank transfer. But don't count on it 100% - I've seen people in the same situation wait until exactly their DDD date. Current is generally faster than traditional banks though.

I've seen hundreds of tax transcript cases like this. When comparing refunds with and without preparation fees, there's a clear pattern: direct deposits without fees typically arrive 1-3 days earlier than the official DDD, while those with fees almost always arrive exactly on the DDD. This is because refunds with fees must pass through a third-party bank for fee extraction before forwarding to your account. If you want to understand exactly what's happening with your refund, try https://taxr.ai - it analyzes your tax transcript to show precisely where your refund is in the process and provides a more accurate deposit prediction based on your specific bank and filing details.

Have you considered what happens behind the scenes with these refund deposits? When you pay TurboTax fees separately, the IRS sends your money directly to Current without any intermediary processing, right? But did you know that even with a direct deposit, the Treasury still releases funds in batches on specific days? I've seen multiple instances where Current showed deposits 2 days early, but I've also seen them arrive exactly on the DDD. Wouldn't it be safer to plan for the 26th and be pleasantly surprised if it arrives earlier?

Current Bank customer service confirmed to me directly that they post IRS direct deposits as soon as they receive them, regardless of the official date. They don't hold them. This is different from traditional banks. When you don't have TurboTax fees taken from your refund, the deposit comes straight from the Treasury. Your DDD is the GUARANTEED date it will arrive by, not necessarily the exact date it will post to your account.