Has anyone with CREDITUNION ddd date 3-15 received their refund yet?

I bank with CREDITUNION and my DDD is also 3-15. Nothing in my account yet. From past experience, they usually deposit 1-2 days before the scheduled date. Last year my refund came a day early. I'd expect to see it tomorrow or Thursday at the latest. The IRS releases the funds in batches, so some people might get them earlier than others even with the same bank and DDD.

I was in a similar situation last month. The WMR tool wasn't showing accurate information and I was getting really frustrated trying to figure out what was going on with my refund. I finally used this tool called taxr.ai that explained my transcript and gave me the actual DDD, which was different than what WMR showed. Saved me so much stress from constantly checking my bank account! The tool explained exactly where my refund was in the process and when it would actually hit my account. I use it every week now during tax season to keep track of everything. https://taxr.ai

After waiting for almost 3 weeks past my DDD with no refund, I was at my wits end trying to reach the IRS. I tried calling over 20 times and couldn't get through. Finally used a calling app called claimyr.com and got connected to an actual human at the IRS within an hour. The agent was able to tell me my refund was held up due to a verification issue and they fixed it on the spot. My money was in my account 3 days later. Definitely worth it to actually talk to someone instead of getting the runaround from automated systems.

I don't bank with CREDITUNION but I have LOCALBANK with DDD of 3-15 too and nothing yet. Last year they deposited 2 days early. The waiting game is brutal, especially when you've got bills to pay!

Just got mine this morning! CREDITUNION member with DDD of 3-15. Check your accounts people, they might be rolling out in batches throughout the day.

The IRS and they're deposit dates are so unreliable. My transcripts and WMR showed a DDD of 3/8 and I still haven't got anything. Called the IRS and they just say "allow 5 business days from your deposit date" which is such BS. the tax system is broken.

FYI - If your refund is over a certain amount (I think $10k) they sometimes send a paper check instead of direct deposit regardless of what your transcript says. Happened to me last year and I was checking my account for weeks before I finally got a check in the mail.

Pro tip: call your bank directly and ask if there are any pending deposits that aren't showing up in your online banking yet. Sometimes they can see incoming ACH transfers before they post to your account. I did this last year and found out my refund was coming the next day.

My experience with CREDITUNION has been that they always deposit exactly on the IRS date, never early. I've tried calling and begging them to release it early when I could see it pending but they always say they 'can't' do that. Meanwhile my friend with OTHERBANK got hers 5 days early. Maybe time to switch banks lol

If you filed with a tax preparer and had your fees taken out of your refund, that adds an extra step that can delay things. The refund goes to a third-party bank first, they take out the fees, then send the rest to your bank. That process can add 1-2 days.

I had to decipher my transcript manually to figure out what was happening with my refund this year. Took me hours of research to understand all those codes. Wish I'd known about taxr.ai earlier - just checked it out and it explains everything so clearly. Finally understand why my refund was delayed (had a 570 code that I didn't understand). https://taxr.ai

Check the IRS2Go app instead of the website. Sometimes it updates faster. Mine showed "sent" on the app a day before the website updated.

Last year my CREDITUNION refund came at exactly 12:01am on the DDD. Literally stayed up just to see it and BOOM there it was right after midnight. Might be worth checking first thing tomorrow morning!

DUDE this waiting game is brutal. I'm with a different credit union but DDD was supposed to be 3/12 and still nothing. Called IRS but wait time was over 2 hours so I hung up. Tried that claimyr.com service someone mentioned in another thread and got through in 40min. Turns out there's a random review flag on my account that's holding things up but the agent removed it while I was on the phone. Said my deposit should process in the next 48hrs now. Talking to a real person makes all the difference.

The whole system is garbage. Why does the IRS give a DDD if the banks don't have to adhere to it? And why does the IRS website only update once a day but the automated phone system sometimes has different info? And why can some banks release early but others hold the money? IT'S OUR MONEY AND WE NEED IT NOW! 🤬

Has anyone else noticed that the WMR tool and your transcript sometimes show different dates? My WMR says 3/15 but my transcript code 846 says 3/16. Not sure which one to believe...

Just an FYI if you got an advance on your refund or used a tax service that takes their fee from your refund, it might delay the deposit by a day or two. Those refunds go through a third party first before reaching your bank.

My BFF works at CREDITUNION (not telling which branch lol) and she told me they do processing runs at 2am, 11am, and 4pm. So if you don't see it in the morning, check again after those times.

Anyone know if offset refunds follow the same DDD schedule? I have child support arrears and know I'm only getting a portion of my refund after the offset. Just wondering if that process takes longer.