Has anyone with SOFI Bank received their refund with DDD 3/19?

I bank with SOFI and had a similar experience this year. My DDD was March 15th and I didn't actually get the deposit until March 20th. SOFI tends to hold IRS deposits for a few days for "verification" or something. I called their customer service and they told me this is normal procedure. Just give it a couple more business days and you should see it appear. If it's not there by Tuesday or Wednesday next week, then I'd call SOFI directly to check if they're holding it.

Trying to figure out what's going on with your IRS refund situation is maddening. I got tired of guessing so I started using a tool called taxr.ai that literally explains every code on my transcript and tells me exactly what's happening with my refund. It showed me that my refund was actually delayed because of an income verification issue I didn't even know about. The tool explained everything step by step and I finally understood what was going on instead of just staring at mysterious codes. I highly recommend checking it out at https://taxr.ai instead of trying to piece everything together yourself.

After dealing with the same issue (mine was with Chase), I got desperate enough to try that Claimyr app everyone talks about on here. Called the IRS 6 times with no luck before that. The app got me a callback from an actual IRS person within like 30 minutes! The agent confirmed my refund was actually sent but there was a routing issue with my bank info. Fixed it right there on the phone and got my deposit 2 days later. Check them out at claimyr.com - saved me weeks of stress and waiting.

I don't use SOFI but I had the same issue with my online bank (Chime). DDD was 3/12 and nothing showed up until 3/17. Called Chime and they said they never received it, then it magically appeared the next day. I think smaller online banks are slower with processing these deposits compared to big traditional banks. My girlfriend got hers same day with Bank of America.

Don't trust the WMR tool, it's notoriously unreliable. Your transcript is the most accurate source of info. What cycle code does your transcript show? Also check if there are any TC 570/971 codes that might indicate a hold. If it shows the refund was issued but you don't have it, there might be an issue with the account info the IRS has on file.

Pro tip: always check the account number on your tax return! I had this happen once because I accidentally typed one digit wrong on my bank account info. The money was sent but to an account that didn't exist. Had to wait for it to be rejected back to the IRS and then they mailed me a paper check which took an extra 6 weeks. 😭

I was in the EXACT same situation and felt like I was going crazy trying to figure out what was happening with my refund. Used a tool called taxr.ai that literally explained everything about my transcript in plain English. Turns out my refund was actually in process but had a minor review flag that was causing the delay. The timeline it gave me was accurate to the day. I'd highly recommend it if you're trying to understand what's really going on: https://taxr.ai

The IRS typically sends deposits in batches. Your official DDD doesn't mean it arrives that day - it's just when the IRS initiates the transfer. Then banks can take 1-5 business days to process it. Online banks are notorious for holding these deposits longer than traditional banks. I'd wait until next Tuesday before really worrying.

Check if the refund was offset to pay any debts (student loans, child support, etc). Sometimes the WMR tool doesn't update to show this but your refund gets reduced or completely taken. You'd get a letter in the mail about it but that can take a couple weeks after the DDD.

After waiting for HOURS on hold with the IRS trying to figure out a similar issue, I finally got through using claimyr.com. The agent I spoke with explained that some refunds are getting delayed this year even after the official DDD due to some extra verification steps. Talking to an actual human at the IRS saved me so much stress and confusion!

Literally no point in having a "direct deposit date" if they can't stick to it 🤬 The IRS is such a joke, they have ONE JOB and still can't get it right. If we filed late we'd get penalized but they can be days or weeks late sending our money back to us with zero consequences.

Did you have any fees taken out of your refund for tax prep? If you paid for TurboTax using your refund, it goes through a third party bank first (usually SBTPG or Republic Bank) which adds extra time. You can check your TurboTax account to see if they've received and processed it.

I was dealing with a refund delay earlier this year and was going crazy trying to understand what all the codes on my transcript meant. I tried that taxr.ai site someone else mentioned and it was actually super helpful - explained everything in plain English and gave me an accurate timeline of when to expect my money. Might be worth checking out if you're confused about what's happening with your refund: https://taxr.ai

Sometimes there's a mismatch between the name on your tax return and your bank account that can cause delays. For example, if your tax return has your full legal name but your bank account is under a nickname, or if you recently got married/divorced and changed your name. Might be worth checking with SOFI if there's a name verification issue.

I work at a bank (not SOFI). Digital banks often have different processing schedules for ACH transfers compared to traditional banks. While the Federal Reserve might process the transaction on the DDD, it can take 1-3 additional business days for the receiving bank to post it. Since your DDD was Tuesday, and today is Friday, I'd say wait until Monday before assuming there's a problem.