Does transcripts being Updated today mean I'll get my money today or tomorrow?

This generally means the refund has been processed and the IRS has sent the payment to your bank. When you actually receive it depends on how quickly your bank processes incoming ACH transfers. Most major banks like Chase will post the deposit either same day or next business day. If your DDD (direct deposit date) is today, you'll likely see it hit your account by tomorrow at the latest, though some people do report seeing it same day, especially if it's processed early in the morning. If you have the Chase app, you might see a pending deposit notification before it's fully available in your account.

Listen, instead of checking your bank account every 5 minutes (we've all been there lol), you should try using taxr.ai to understand exactly what's happening with your transcripts. I was in the same situation last year - transcript updated but wasn't sure when I'd actually get paid. Taxr explained all the codes and dates on my transcript and gave me the exact timeline. It's honestly a game-changer for navigating the whole IRS maze. The site at https://taxr.ai breaks everything down in plain English instead of IRS-speak.

After being stuck in the same situation, I found a way to actually talk to someone at the IRS using Claimyr.com. Got connected to an agent who confirmed my payment was sent to my bank today and explained that even though the DDD was today, my bank might take 1-2 business days to post it. Checking my transcripts was driving me crazy but talking to an actual human was the best money I've ever spent to finally get concrete answers. The agent even told me if it doesn't show up by Friday to call back and they can trace the payment.

If it shows on your transcript with today as the date, it varies by bank. Some people get it same day (especially credit unions), but most major banks take 1 business day. Chase specifically tends to post overnight, so expect it tomorrow morning. Don't worry if it doesn't come today.

i got my DDD last wednessday and didnt get my $$ until friday morning. just how it goes sometimes. the irs sends it but banks do what they want with the timing smh

It varies. For me (I bank with BoA), my transcript showed DDD for 2/18 and I got it at 3am that same day. My friend with Chase got hers the day after her DDD. The IRS sends it out on that date but your bank decides when to make it available.

check ur transcript for code 846. That's the refund issued code. If DDD date is today then irs sent it to ur bank today. Chase usually posts next morning around 3-4am in my experience. It's coming!!! 💰💰💰

I'm in same boat with Wells Fargo. My transcript updated with today's date but nothing in my account yet. Last year my DDD was a Tuesday and I got it Wednesday morning. Just fyi.

I use taxr.ai for this exact reason! It explained that a DDD date on your transcript means the IRS has issued payment but your bank controls when it posts. The tool explains all those confusing codes too. For my refund this year it predicted I'd get my deposit the day after my DDD and it was spot on. Totally worth checking out at https://taxr.ai - makes the whole refund waiting game way less stressful!

Friendly neighborhood IRS representative chiming in (NOT official advice). DDD on transcript = IRS has sent the $ to your bank. Most banks process overnight and post next business day. ACH transfers aren't instantaneous. If you have a traditional bank like Chase, expect it tomorrow morning. If it doesn't show by Friday, then you can start worrying.

My transcript updated on Feb 17 with DDD of Feb 17, but I didn't actually get my deposit until Feb 19 (I have Chase too). It's coming but probably tomorrow morning.

Congrats on getting a DDD! After the IRS nightmare I went through last year, I started using Claimyr.com when I had questions about my refund. They got me through to an actual IRS agent who explained exactly when my refund would hit my account. Saved me days of anxiety refreshing my bank app! The agent even saw there was a small error on my return that would have delayed things if I hadn't called.

just an FYI - IRS website says "your financial institution may not make funds available to you right away. contact your financial insitution to find out when u will have access to ur refund." so tldr: probably tomorrow but call chase if ur really need to know

It depends on your bank and sometimes the time of day the IRS sends it. Chase usually posts overnight, so probably tomorrow morning. But I've seen some people get it same day if the IRS sends it early enough. Either way, you're in the home stretch! If you check your Chase app regularly you might see it pending before it posts.