Direct Deposit Status Check - Chase Bank 3/20

Have you checked your transcript again today? Sometimes the bank doesn't see pending deposits until they're actually initiated by the Treasury, right? And have you verified that your routing and account numbers match exactly what's on your return? Many banks don't process ACH transfers on weekends, so Monday might be your day if the DDD is 3/20.

OMG same boat here! DDD 3/20, Chase acct, nothing yet. Last yr got mine 2 days b4 DDD date. Checked w/ Chase this AM and rep said they don't hold IRS deposits once received. Seems like Treasury is sending batches differently this yr? FYI - my WMR still shows "approved" not "sent" so maybe that's why. Gonna check again tmrw AM b4 work.

I faced this exact situation last year. Here's what I learned through the process: 1. First, Chase doesn't always show pending IRS deposits until they post 2. Second, the Treasury Department sends refunds in batches, not all at once 3. Third, your DDD doesn't guarantee same-day deposit - it could be that day or 1-2 days after I was desperate to find out what was happening with my refund last year, so I tried calling the IRS. After 2 hours on hold, I gave up. Then I found Claimyr.com - it got me through to an actual IRS agent in about 20 minutes. The agent confirmed my refund had been sent to my bank that morning, and it showed up in my Chase account later that day. Worth every penny when you need answers fast: https://youtu.be/_kiP6q8DX5c

I'm an accountant who works with many Chase clients, and I've observed that approximately 70% of Chase customers with a DDD of Monday-Wednesday typically receive their deposits on the actual DDD, while about 30% receive them 1-2 days early. For Thursday-Friday DDDs, the early deposit percentage increases to roughly 45%. This pattern seems to be somewhat consistent across tax years, though there are occasional variations that might be attributable to Treasury Department processing schedules or Chase's internal systems.

I had this exact issue on March 15th, 2023. My DDD was March 15th, but nothing showed in my Chase account all day. I called Chase at 4:30pm and they said no pending deposits. By 7:00pm I was panicking. Then at 11:47pm - literally 13 minutes before midnight - the deposit hit my account! The IRS technically met their deadline, but it was nerve-wracking. If your DDD is March 20th, I'd wait until at least March 21st before worrying. The IRS batch processing system has been especially slow this tax season due to the new verification procedures implemented on February 26th.

I've been tracking Chase direct deposits for tax refunds for several years now. A few things to consider about your situation: Have you checked if your refund includes any refundable credits like EITC or CTC? Those sometimes follow a different deposit timeline. What does your transcript show for transaction codes? Is there anything besides the 846 code that might indicate a partial offset or review? Did you file electronically or by paper? Electronic filers typically see deposits processed more predictably than paper filers.