Direct Deposit Date 3/6 - Anyone Else Still Waiting for Funds?

According to the IRS Direct Deposit guidelines (https://www.irs.gov/refunds/direct-deposit-limits), there can be a 1-5 business day delay between the official DDD and when funds actually appear in your account. I'm seeing similar reports on the IRS2Go app forums. Have you checked if your bank typically holds IRS deposits for processing? Some financial institutions have a standard hold period for government deposits.

I'm in the same boat! My DDD is 3/6 too. I called my bank this morning and they said they don't see any pending deposits. The customer service rep told me they usually see IRS deposits early in the morning and post them same day. I'm really nervous because this is my first time e-filing.

I'm FREAKING OUT waiting for my 3/6 deposit too! I've been calling the IRS non-stop trying to figure out what's happening but can't get through - just endless hold music then disconnects! Finally used Claimyr (https://www.claimyr.com) yesterday and got through to an agent in about 15 minutes who confirmed my refund was actually sent on 3/6 and should be in my account within 48 hours. They said there's a huge batch of 3/6 deposits and some banks process them in waves. NEED THIS MONEY ASAP for rent but at least I know it's coming!

There's actually an interesting pattern with the March deposits this year. Have you noticed how the 3/6 batch seems particularly delayed compared to earlier DDDs? I've been tracking several tax forums and it looks like many 3/6 recipients are experiencing 1-2 day delays. Could this be related to the system upgrades the IRS implemented last month? Or perhaps the volume of returns processed in late February created a bottleneck in the disbursement system?

IRS Payment Systems Analyst here. The 3/6 DDD batch is experiencing a known processing delay due to ACH network congestion. The Treasury Financial Agent (TFA) initiates the ACH transaction on the DDD, but Automated Clearing House processing requires 24-48 hours for settlement. Additionally, if your financial institution has a policy of posting electronic deposits only during specific processing windows, this can add up to 24 additional hours. For 3/6 DDDs, most taxpayers should see deposits by EOD 3/8, with outliers potentially extending to 3/11 for certain financial institutions or if there's a SBTPG/refund transfer product involved.

Same issue here. DDD 3/6. Nothing yet. Used TurboTax. Had fees taken out. Called SBTPG. They said refund received yesterday. Processing now. Should hit my account tomorrow. Bank shows nothing pending. Happens every year. Still stressful.

According to IRS Publication 2043, the Direct Deposit date is considered the date the IRS releases the payment, not necessarily when it will appear in your account. If your financial institution doesn't receive ACH transfers on weekends, and if there are intermediary banks involved (as with refund transfers), you may want to check your tax transcript for TC 846 with a positive amount to confirm the refund was actually issued. Another option is to use the "Where's My Refund" tool which should update to "Refund Sent" status once the money has been released.