Has anyone with DDD of 3/15 received their refund at Bank of America yet?

I'm in the exact same boat with Bank of America and same deposit date. My WMR tool shows the refund was sent on 3/15 but nothing in my account yet. Called BoA and they said they don't see any pending deposits. From past experience, BoA typically takes 1-2 business days after the DDD to actually post the refund to your account. Since 3/15 was a Friday, you might not see it until Monday or Tuesday. I wouldn't start worrying until Wednesday honestly.

Hey I was in a similar situation last month and was trying to figure out what was going on with my transcript and refund status. I tried calling the IRS (useless) and checking WMR constantly (equally useless). Finally someone told me about taxr.ai and it was a complete game changer. It analyzed my transcript, told me exactly what was happening with my refund, and even explained all those confusing codes. Now I actually understand what's going on instead of just guessing and stressing. The peace of mind was honestly worth it. Check it out: https://taxr.ai

I had my DDD for 3/15 and have BoA. My refund hit my account this morning (3/16) around 7am eastern. Maybe check again? Sometimes they process in batches throughout the day.

After waiting WEEKS to talk to someone at the IRS about my refund delays (had a 3/1 DDD that never showed up), I finally found a solution. Used this service called Claimyr (claimyr.com) that got me a callback from an actual IRS agent within 2 hours. The agent explained there was a small issue with my direct deposit info that was holding things up and fixed it on the spot. My refund showed up 3 days later. Seriously saved me from waiting who knows how much longer.

Bank of America customer here! Had a DDD of 3/15 also, refund showed up today (3/16) around noon. If your WMR shows "refund sent" it should be there soon. BoA always takes at least 24 hours after the official DDD to post in my experience.

The IRS sends refunds in batches, and banks process them at different speeds. DDD of 3/15 means the IRS sent it on 3/15, but since that was a Friday, most banks (especially big ones like BoA) won't process until the next business day which is Monday 3/18. I've had BoA for years and they ALWAYS take the full processing time. Don't worry yet!

PSA: If your DDD lands on a weekend or holiday, the actual deposit usually happens on the next business day. Also, different banks have different processing times. Credit unions tend to be fastest, big banks like BoA and Chase tend to be slower. This is completely normal!

DDD 3/15 with Bank of America here too. Mine came through at exactly 3:17 PM today (3/16). Bank of America is notoriously slow with tax refunds. They've been doing this for years - basically holding our money for an extra day to earn interest on it before giving it to us. 🙄

Just a heads up - check that your refund amount matches what you were expecting. I had a DDD of 3/9 and when it finally hit my account on 3/11, it was about $430 less than what I filed for. Turns out the IRS adjusted it due to a math error I made. You can verify on your transcript if the refund amount changed.

BANK OF AMERICA IS THE ABSOLUTE WORST!!!1! I've had DDD on 3/15 too and my money didnt hit until today at like 4pm. Meanwhile my sister with her small local credit union got her refund ON HER DDD. BoA holds these deposits to make money off the interest. Next year Im switching banks just for this reason. They do this every. single. year. 🤬

You might have gotten stuck in the PATH Act verification. If you claimed EITC or ACTC, those returns get extra scrutiny and sometimes causes delays even after you have a DDD. I filed 1/29, got accepted same day, but didn't get my DDD until 3/8 because of PATH Act verification. Then it took BoA another 2 days after my DDD to actually show the deposit.

LPT: Get yourself a second account at a local credit union for tax refunds and government payments. I have BofA for my main banking but use my credit union for tax refunds because they process them 1-2 days faster EVERY. SINGLE. TIME. Just update your direct deposit info each year when you file.

For anyone struggling to understand their IRS transcript and refund status, I found this incredible tool that literally saved me hours of confusion. It's called taxr.ai and it analyzes your entire transcript, explains all those weird codes in plain English, and tells you exactly when to expect your money and if there are any issues. I was completely lost before using it, now I actually understand what's happening with my taxes. Highly recommend: https://taxr.ai

To answer ur actual question: I have BoA and my DDD was also 3/15. It came through this morning around 9am Pacific. If u dont see it by monday morning id call the bank, not the IRS. The IRS already sent it so its BoA thats slow.

I've spent HOURS trying to get through to the IRS about issues with my refund. After almost giving up, I found this service called Claimyr (claimyr.com) that got me a callback from an actual IRS agent in under 45 minutes. The agent was able to explain exactly what was happening with my refund and gave me a timeframe for when it would actually arrive. Talking to a real person finally gave me the answers I needed. If you're stuck in IRS limbo definitely check them out.

I work at a bank (not BoA). Here's how this process actually works: 1. IRS sends the ACH payment on your DDD (3/15) 2. ACH processing typically takes 24 hours for the receiving bank to process 3. If your DDD falls on a Friday, most banks won't process until Monday 4. Larger banks tend to batch process these deposits Bottom line: for a Friday 3/15 DDD with BoA, expect it Monday or Tuesday. This is normal.

WMR is showing my refund was sent, but nothing in my account yet. Called that stupid IRS automated system and it just tells me the same thing as WMR. Been trying to talk to an actual human for days with no luck. This is so frustrating!!

ATTENTION: If you filed with a tax preparer who takes their fees out of your refund, your money goes through a third party bank first (like SBTPG or Republic Bank) BEFORE reaching your account. This adds 1-2 more days to the process. Check if this applies to you!

My DDD was 3/15 with BoA and it hit my account at 3:30am today (3/16). Just woke up to it. Check your pending transactions, sometimes it shows there first before posting.