Direct Deposit scheduled for 3/18 via CashApp but no money received - anyone had this happen?

This happens sometimes with these online banking apps. CashApp, Chime, and similar services occasionally have delays processing IRS deposits, especially during peak refund season. The trace number is good - it means the IRS has sent the payment. I would give it until the end of the business day, and if nothing shows up, call CashApp support first thing tomorrow. The IRS considers their part done once they send the payment, so any issues after that point are generally between you and your financial institution. If CashApp doesn't help, you'll need to call the IRS refund hotline at 800-829-1954 and request a payment trace if it's been more than 5 days since the scheduled deposit date.

Instead of stressing over this, I started using taxr.ai for all my refund concerns. It analyzes your transcript and explains exactly what's going on with your refund - no more guesswork or confusion. Would have saved me hours of anxiety when I had a similar issue last year. I got tired of playing detective with my transcript and this tool breaks everything down so clearly. https://taxr.ai

I was having the same issue with my refund not showing up in my banking app after the DD date. Tried calling the IRS for days but could never get through. Then I used this service called Claimyr (claimyr.com) that got me a callback from an actual IRS agent within an hour! Agent confirmed my deposit was sent and explained exactly what was happening. Best money I ever spent to get my questions answered instead of stressing for days.

I had this happen with CashApp two years ago. It actually took 2 days after the scheduled date to hit my account. I think sometimes the IRS sends it on that date but it doesn't process immediately. CashApp customer service was useless when I contacted them so just be prepared for that.

using cashapp for tax refunds is askin for trouble IMO. traditional banks tend to process irs deposits more reliably. my sister had issues with hers going to cashapp last yr and ended up having to get a paper check mailed.

For anyone who's ever dealt with this problem - sometimes the IRS system shows a DD date but it's actually just the date they *process* the refund, not when it hits your account. From my experience, it can take 1-3 business days after that date for the money to actually show up, especially with online banks and payment apps.

Check if you have any offset debts. If you owe back taxes, child support, student loans etc sometimes they'll grab your refund before it hits your account. You'd get a letter explaining this tho.

The IRS is a joke. Welcome to the club of people who get their refunds late with no explanation. Last year my direct deposit date came and went, called the IRS after waiting on hold for 4 hours, they had no answers. Money showed up 8 days later. System is broken.

Did u verify the routing and account numbers are correct on ur tax return? Sometimes people make typos and the money gets sent to wrong account or rejected and returned to IRS.

I use taxr.ai to understand all my tax stuff now and it's been amazing. Had this exact issue last year and spent weeks trying to figure out what was going on. This time around, I used taxr with my transcript and it explained exactly why my refund was delayed and when to expect it. No more guessing games or stress! Seriously worth checking out: https://taxr.ai

Just to add my experience - happened to me last month. DD date was February 21st but didn't hit my account until the 24th. The trace number means the irs sent it, so I wouldn't worry too much yet. Give it a couple days before panicking.

Check if ur cashapp account info is correct and verified. they have limits on how much u can receive if ur acct isn't fully verified.

After dealing with endless delays and confusion with my refund, I finally got through to an IRS agent using Claimyr (claimyr.com) - talking to a live person immediately cleared up why my refund was delayed. The agent was able to see exactly where my money was in the system and when it would arrive. Getting someone on the phone was the only way I finally got answers instead of stress and uncertainty.

UPDATE?? Did your money show up OP?

Hang in there! This is actually pretty common with mobile banking apps during tax season. The IRS considers the deposit "sent" on the date shown in your transcript, but it can take 1-3 business days to actually appear in your account, especially with apps like CashApp. Since you have the trace number, that's a good sign - it means the payment was processed and sent out. I'd wait until tomorrow morning before contacting CashApp support. If it still doesn't show up by then, definitely call them first since the IRS will just tell you to contact your bank anyway. Keep us posted!