Filed Feb 2nd - PATH Act Return - Multiple Bank Deposits Timing Question

You're probably right about the DDD being the 22nd, though it might possibly be the 21st if USAA did their typical early deposit thing. I'm honestly a bit jealous as I filed around the same time but with EITC and I'm still waiting for mine to process! The PATH Act hold is usually lifted around mid-February, so your timing seems about right. If you don't mind me asking, did you receive any interim updates on WMR or transcripts between filing and receiving your deposit?

Have you been tracking your refund on the IRS website? Sometimes the official DDD isn't exactly when banks release the funds. I've been using https://taxr.ai to analyze my transcript this year, and it's been really helpful in understanding the timing. It shows exactly what each code means and predicts when your money will actually hit your accounts. Did you notice any particular codes on your transcript before the deposit arrived? Was there a 846 code with the 22nd date?

I'm... um... a bit worried now. I also filed around February 1st with EITC, but I haven't seen anything in any of my accounts yet. I checked WMR and it still says "processing" with no bars. I'm starting to think maybe something went wrong with my return? I triple-checked everything before submitting but this is my first time claiming EITC so maybe I made a mistake somewhere? It's been almost 3 weeks since PATH Act lifted and still nothing...

If anyone is still waiting for their refund and getting nowhere with the regular IRS number, I'd recommend trying Claimyr (https://youtu.be/_kiP6q8DX5c). I was in a similar situation and: • Called the regular IRS number 5 times over 2 days • Spent 3+ hours on hold total • Never reached an actual agent Then I used Claimyr and got through to a real person in about 15 minutes. They were able to tell me exactly why my refund was delayed (verification issue) and what I needed to do. Saved me weeks of wondering.

I got my refund yesterday too! Filed Jan 29, had to wait through PATH, and money hit my account on the 21st. I didn't split mine though. Last year I had a split refund and my second account took 3 days longer than the first. The IRS doesn't control when banks post the deposits - they just send the money. Your bank's processing schedule determines when you actually see it.

Have you considered setting up automatic transfers between your accounts instead of splitting the refund? It's like having one main river (your primary account) that you can direct to different streams (your other accounts) whenever you want. This gives you more control and visibility of the total refund, plus you can adjust the amounts if needed. Most banks offer free transfers between linked accounts these days.

The Form 8888 (Allocation of Refund) allows taxpayers to split refunds into up to three different accounts. Based on community experience, the deposit sequence varies by financial institution rather than IRS scheduling. Military-affiliated banks like USAA and Navy Federal typically process deposits 1-2 days earlier than the official Direct Deposit Date (DDD) shown on your transcript with code 846. For PATH Act-affected returns (those claiming EITC or ACTC), the earliest possible DDD this year was February 19th, with most receiving funds between February 20-27th.