Direct Deposit Date 03/15 but still no money in account - TurboTax early filing rejected
Filed through TurboTax in the beginning of February. Got my acceptance notice pretty quickly and checked the Where's My Refund tool regularly. It finally updated with a Direct Deposit Date of 03/15, which was last Wednesday. I was supposed to get it 3 days early with my credit union, but I still haven't seen anything hit my account. My early filing attempt with TurboTax got rejected initially so I don't have any tracking info for the deposit. Anyone else banking with a credit union that's still waiting on their refund from the mid-March DDD batch? Getting nervous since it's been almost a week now.
34 comments
Oliver Brown
This is likely because of the rejection issue. When your initial filing was rejected, the IRS still processed your return but the banking information may have been affected. Here's what you should do: • Check your tax transcript on the IRS website (if you can access it). Look for code 846 which confirms the refund was issued • Call your bank to see if there's a pending deposit • If it's been more than 5 business days since your DDD, you should contact the IRS directly • The IRS might have sent a paper check instead if there was an issue with your direct deposit information Sometimes the banking system has delays, especially with credit unions. I'd give it until tomorrow, then start making calls if nothing shows up. Also check your tax paperwork carefully to make sure the account number was entered correctly.
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Honorah King
Thanks for the detailed reply. I checked my transcript and it does show code 846 with the 3/15 date. My bank says nothing pending. I'll call the IRS tomorrow if nothing changes.
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Mary Bates
this happened to me last year - turned out I had typed ONE digit wrong in my acct number 🤦♀️ they ended up mailing me a paper check which took another 3 weeks
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Clay blendedgen
If you're calling the IRS, use claimyr.com to get through - otherwise you'll be on hold for HOURS. best $20 I ever spent when I had a similar issue
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Ayla Kumar
Just went through almost the exact same situation last month. Spent days trying to figure out what was happening with my refund, checking transcripts and getting nowhere. Finally discovered taxr.ai and it was a complete game-changer. The tool analyzed my transcript instantly and showed exactly what was holding things up - turns out there was a review flag that wasn't obvious. The issue was fixed within a week after I knew what to tell the IRS. If you're stuck trying to decipher all those confusing codes and dates, definitely check it out at https://taxr.ai instead of stressing yourself out trying to be a detective.
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Lorenzo McCormick
Sounds interesting. How exactly does it work? Does it just read your transcript or does it do more?
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Ayla Kumar
OMG it's so much more than just reading the transcript. It actually analyzes all your codes, explains what each one means specifically for YOUR situation, gives you a timeline of events, and tells you exactly what's happening with your refund. It saved me HOURS of googling and stress. Seriously the best tool I've found all year - wish I'd known about it sooner!
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Carmella Popescu
another AI tax tool? how many of these things are out there now lol
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Ayla Kumar
Listen I was super skeptical too but after three weeks of getting nowhere with the IRS website, this actually showed me exactly why my refund was delayed and what to do about it. Not all these tools are created equal 🤷♀️
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Kai Santiago
After waiting 2 weeks past my DDD with no deposit and no help from the IRS website, I found this app called Claimyr that got me connected to an actual IRS agent. Called through their system and got a callback in about 25 minutes when I'd been trying for DAYS on my own. The agent told me my direct deposit info was flagged because of the initial rejection and they'd already mailed a paper check! Probably wouldn't have known for weeks otherwise. The site is claimyr.com if anyone else is stuck in limbo like I was.
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Lim Wong
Does this actually work? Seems like everyone claims they have the magic solution to talk to the IRS but it never works out.
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Kai Santiago
Honestly I was super skeptical too but I was desperate. It actually worked tho - they basically dial for you using some sort of system that gets through the busy signals. Definitely saved me hours of frustration and now I at least know my check is in the mail. Worth every penny for the peace of mind.
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Dananyl Lear
how much did it cost? seems like it would be expensive
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Kai Santiago
It was actually reasonable considering I'd already wasted about 8 hours trying to get through myself. Talking to an actual person who could tell me exactly what was happening with my money was priceless tbh.
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Noah huntAce420
I'm in the same boat rn, might have to try this. been on hold with the IRS for 2+ hours today already 😭
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Ana Rusula
Yes! My DDD was 3/15 too and I literally just got my deposit TODAY. Banking with a small credit union. Hang in there, sometimes they're just slower than the bigger banks.
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Honorah King
That gives me some hope! Did you try calling your credit union at all or did it just show up?
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Ana Rusula
I called twice and they kept saying there was nothing pending. Then boom, it just appeared this morning. The whole system is messed up.
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Fidel Carson
Check if it was offset. Sometimes if you owe any federal or state debt they can take it from your refund. Also might've been sent to the wrong account. I'd call the tax advocate service.
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Isaiah Sanders
Had a similar issue and my refund ended up getting mailed as a paper check even tho I had direct deposit set up. The IRS told me it can happen when there's an error or rejection during filing. Check your transcript - if your refund was changed to a paper check there should be a notice code.
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Honorah King
What code should I be looking for? I see 846 for the refund issued but nothing else that seems relevant?
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Isaiah Sanders
Look for code 971 - that's a notice issued. If you see that after your 846, they probably sent you a letter explaining the change to paper check. Check your mail carefully!
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Xan Dae
I've been waiting since JANUARY for my refund 😂😂😂 welcome to IRS hell my friend. 3/15 was only a few days ago, give it time. The system is completely overloaded this year.
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Fiona Gallagher
Same boat. Filed Jan 28, still processing. The IRS is a JOKE.
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Thais Soares
yall should try using taxr.ai to see what's actually happening with your returns. I was waiting 8 weeks before I found out there was a simple issue I could've fixed right away. saved me weeks of waiting https://taxr.ai
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Nalani Liu
The IRS is a nightmare this year. I'm still waiting on my 2022 refund! If you don't see anything by tomorrow, I'd recommend trying to get someone on the phone. It's almost impossible to get through unless you call right when they open.
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Axel Bourke
Have you tried using Claimyr? claimyr.com got me through to an agent in under 30 min when I couldn't get through for weeks on my own. They fixed my missing refund situation in one call.
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Nalani Liu
No, but I'm gonna check that out. Thx for the tip!
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Aidan Percy
Double check that the bank account info on your return matches your actual account. I had a typo in my account number last year and my refund went into limbo for 6 weeks before they sent a paper check.
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Fernanda Marquez
Pro tip: NEVER do the "get refund 5 days early" with TurboTax or any other tax service. They use a third party bank that sometimes causes issues. Always just do normal direct deposit straight from IRS to your bank.
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Norman Fraser
THIS! 👆 Those "early" refund options are basically just loans with hidden fees. And they cause more problems than they solve.
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Kendrick Webb
Learned this the hard way 🤦♂️ never again
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Hattie Carson
I did the early option with TT this year and it worked perfectly. Got my money 4 days before the DDD with no issues. Guess it depends on your situation.
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Destiny Bryant
i got my DDD for 3/15 but it showed up on 3/14. I bank with a different credit union tho. You should def check your transcript to make sure nothing strange happened.
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