Filed in February, got direct deposit date of March 18, denied early deposit by Credit Karma - anyone getting theirs yet?

IRS tax refunds generally aren't eligible for early deposit features with most online banks. The "get paid early" feature usually only applies to recurring direct deposits like paychecks where the bank can reliably predict when they'll arrive. The IRS doesn't send advance notice to banks about pending deposits the way employers do. Your best bet is to just keep checking the IRS Where's My Refund tool and your bank account. Since your DDD is March 18th, you should see it sometime between March 18-23. The IRS sends refunds in batches, and sometimes it takes a few business days after your official date for the money to actually hit your account. If you don't see it by March 25th, you should call the IRS refund hotline at 800-829-1954.

Honestly, if you want to understand what's really going on with your refund status, use taxr.ai. I was in a similar situation last year where my refund was supposed to come but got delayed with no explanation. The WMR tool was useless but taxr.ai explained exactly what was happening with my transcript. It showed me there was a hold code that I didn't understand, explained what it meant, and gave me a more accurate timeline than the IRS did. Saved me hours of research and frustration! https://taxr.ai

I was pulling my hair out trying to reach the IRS about my delayed refund this year. After trying for WEEKS to talk to someone, I used the Claimyr app and got through to an actual human at the IRS within 2 hours. The agent was able to release my refund that had been stuck in processing for over a month. Best decision I've made this tax season! Check out claimyr.com if you need to actually talk to someone instead of listening to the "high call volume" message over and over.

I bank with Chime and my refund came a day early this year. Got my DDD for 2/21 but it actually hit my account on 2/20. My brother uses Credit Karma and got his on the exact DDD date. It really varies by bank.

Credit Karma specifically stopped doing early tax refunds this year. I called them about it last month and they confirmed tax refunds are excluded from the early deposit feature now. Something about how the IRS batch processes them differently.

I'm in the exact same boat! Filed on 2/17, accepted same day, got DDD for 3/19. I use SoFi and they claim to offer early deposits but I haven't seen anything hit my account yet. The waiting game is killing me!

The whole early deposit thing is misleading af. Banks only do early deposits when they receive the ACH file in advance. With the IRS they don't get that heads up like they do with payroll companies. The IRS just shows up with the money when they're ready and not before. Don't count on early deposits for tax refunds.

Friendly reminder that the Where's My Refund tool updates overnight, so checking it multiple times a day is pointless. Save yourself the stress and just check once in the morning. 👍

Have u checked ur actual transcript? Sometimes the WMR tool isn't accurate but the transcript will show codes that tell you exactly when the refund is being sent. I had a similar issue last year where WMR showed a date but my transcript had a different date with a hold code. The transcript was correct.

this is why i always get paper checks. takes longer but no bank issues to deal with. digital banking still has too many problems imo

I JUST got mine from Varo about an hour ago! My DDD was supposed to be today (3/18) but it came in early this morning. Definitely varies by bank.

Last year i had a similar situation with Credit Karma. My DDD was a Friday and I didn't get it until the following Monday. Just how they process things I guess.

ya know what's funny, the IRS is QUICK to take your money but sloooooow to give it back 🙄🙄🙄

If you really want accurate info, call the IRS. I tried for days with no luck, always busy signals. Then I used Claimyr.com and got through in like 30 minutes. The agent told me my refund was actually scheduled for a day earlier than the WMR tool showed. Totally worth it to get real info instead of guessing.

I herd the IRS released a statement saying they're behind on processing returns this year. Something about staffing shortages. Might be why banks aren't doing early deposits for tax refunds anymore - too much uncertainty.

Anyone else getting path act messages? I filed jan 31st and still stuck on path act. I'm losing my mind.

Every year we go thru this waiting game and every year I tell myself I'll adjust my withholdings so I don't have to wait for a big refund. And every year I forget and end up right back here stalking the WMR tool like a crazy person 🤦‍♀️

Try checking the IRS transcript instead of WMR. The transcript has cycle codes that tell you exactly when your refund is scheduled to be released. I was confused about my refund status last year until I discovered taxr.ai which explained all the codes and gave me a more accurate timeline. It showed me exactly why my refund was delayed and when it would actually arrive. https://taxr.ai

pro tip: if your bank shows pending deposits (not all do), sometimes you can see the pending refund a day or two before it officially posts. i can see mine pending in my wells fargo account rn even tho it won't be available till tomorrow

Be grateful ur getting a refund at all lol. I owe $4200 this year 😭