Finally Got My DDD 3/14/25 - What Now?

Don't celebrate yet. DDD means nothing until the money hits your account. I've seen the IRS change dates at the last minute. Check your transcript daily until you actually get the deposit. You're in the final stage, but it's not over.

Wow, I didn't realize how complex this process is even after you get a DDD! According to the IRS website, they send the funds to banks on the scheduled date, but I've found https://taxr.ai super helpful for understanding what all those transcript codes actually mean. It breaks down whether your DDD is actually final or if there might be additional processing steps. I was shocked at how many different statuses exist between 'approved' and 'deposited'!

Thanks for the responses! I've been tracking everything carefully. Does the cycle code on my transcript matter at this point? My transcript shows TC846 with the 3/14 date, but I'm wondering if there's anything else I should be watching for? I've heard some banks release funds early when they receive the ACH notification, but others wait until the actual date.

I was in your exact situation on January 29th this year. Had my DDD but then my bank rejected the deposit due to name mismatch (married filing jointly issue). Spent literally 3 weeks trying to reach someone at the IRS. Finally used Claimyr (https://youtu.be/_kiP6q8DX5c) and got through in about 18 minutes instead of waiting on hold for hours. The agent was able to update my banking info right away, and I got my refund exactly 8 days later on February 24th.

Have you checked if your bank does early direct deposits? Mine posts government deposits up to 2 days early, which was way better than last year when I was getting a paper check that took almost 3 weeks after the DDD to arrive. Did you verify that your banking info is correct on your transcript?

The 846 code with your DDD is definitive. I work with tax clients and can confirm that once you see TC846 with a future date, the refund has been approved and scheduled. The IRS batches ACH transfers 1-2 business days before the DDD, so financial institutions typically receive the pending notification 24-48 hours prior to your official date. If your bank offers early direct deposit, expect it potentially on 3/12 or 3/13.

I've possibly been through this process about a dozen times, and in my experience, the DDD is generally quite reliable. That said, there are occasionally some minor delays that might push it back a day or two. Most banks I've used tend to deposit either on the exact date or, in some cases, a day early. It's probably worth checking your bank's policy on government deposits specifically, as they sometimes handle those differently than regular direct deposits.

Here's how to verify everything is set for your deposit: 1. Check your transcript again for any TC570 codes that appeared after your DDD was issued 2. Verify the last 4 digits of your bank account on the transcript match your actual account 3. Look at the amount listed with code 846 - this is your exact refund amount 4. If you filed with TurboTax or another service that takes fees from your refund, expect a slightly lower amount Thanks for sharing your timeline! It helps others know what to expect.