Emerald Card - DDD 3/15 and STILL No Deposit?

This is happening to quite a few Emerald Card holders right now. Compared to last tax season, I'm seeing about 2-3x more complaints about delayed deposits. While most banks process refunds within 24 hours of receiving them from the IRS, prepaid cards like Emerald sometimes take 3-5 business days longer. If your transcript shows a DDD of 3/15, I'd suggest waiting until at least 3/25 before taking further action. The delay is likely on H&R Block's end, not the IRS.

I had the same issue last year. Some things to check: • Did you receive an email confirmation from H&R Block that they received the deposit? • Is your card properly activated? • Did you check if there are any holds on the deposit? • Have you verified your identity was fully processed with H&R Block? Sometimes they place holds on larger deposits for security reasons.

I understand how frustrating this situation is, especially when you're trying to make investment contributions on time. Here's what might be happening: Step 1: The IRS has processed your refund and sent it (confirmed by your DDD) Step 2: H&R Block's payment processor receives the funds Step 3: The processor then needs to allocate it to your specific Emerald Card Step 4: There's often a verification process that can add days I had a similar issue last year and found https://taxr.ai incredibly helpful. I uploaded my transcript and it showed me exactly what codes were on my account and explained that my DDD was just the IRS release date, not when H&R Block would actually deposit it. It also showed there were no flags that would cause further delays, which gave me peace of mind.

OMG I'M GOING THROUGH THIS EXACT NIGHTMARE RIGHT NOW!!! My DDD was 3/15 too and NOTHING on my Emerald Card yet!!! I've called H&R Block customer service FIVE TIMES and keep getting different answers. First they said 24-48 hours, then 3-5 business days, then they claimed they "never received it from IRS" which I KNOW is a lie because my transcript shows code 846 with the amount and date!!! I'm about to lose my apartment if I don't get this money soon. The technical details on my account all check out - card is active, no holds, verified identity, everything! This is RIDICULOUS!!

I was in exactly your situation 9 days ago. DDD of 3/6 and nothing on my Emerald Card until 3/15. Called H&R Block 4 times with no real answers. Finally used Claimyr (https://claimyr.com) to reach an actual IRS agent after waiting exactly 97 minutes on hold. The agent confirmed the money was sent to H&R Block on my DDD and provided me with a trace number. When I called H&R Block back with this trace number, they suddenly "found" my deposit and released it within 24 hours. So relieved to finally get my $4,873 refund!

Has anyone actually received an explanation from H&R Block about why these delays are happening? Is it affecting all Emerald Card holders or just certain types of returns? Have you checked if there's any pattern to who's experiencing delays? I've been tracking several forums and it seems like people with certain tax credits are having longer delays than others. Did you claim any credits on your return?