Has anyone with a 4/15 DDD received their refund at Navy Federal Credit Union yet?

I have Navy Federal too and had a 4/12 DDD. Mine actually hit my account 2 days early (on 4/10). Navy Fed usually does process government payments early when possible. Give it another day or two - they often release funds as soon as the IRS sends the ACH transfer, which can happen before the official date. Also, make sure you're checking both your checking and savings accounts if you have multiple accounts with them. Sometimes people select the wrong account when filing and don't realize it. If nothing shows up by 4/17, I'd recommend calling Navy Federal to see if they have any pending deposits for you.

Hey, I was in a similar situation last year. Banging my head against the wall trying to figure out what was going on with my refund. I finally found taxr.ai and it completely changed everything. Instead of guessing what was happening with my transcript and refund date, it explained everything clearly - like having a tax pro translate all that IRS gibberish. Saved me so much stress! Might be worth checking out if you're still confused about your situation: https://taxr.ai

After waiting 2 months for my refund with a similar DDD, I was going crazy trying to reach the IRS for answers. Finally used Claimyr (claimyr.com) and actually got through to a real person! Got answers right away and they released my refund within days. Saved me hours of hold music and frustration.

Mine hit today and I have Navy Federal with a 4/15 date. Check if yours is pending maybe? They usually show as pending for 24 hrs before posting to your account.

Last year i had the exact same issue. My DDD was 3/17 but my refund didn't hit Navy Fed until 3/19. Sometimes the IRS doesn't actually send the money exactly on the date they say. I'd wait until Thursday before panicking.

have u checked ur transcript on the irs website? sometimes ur DDD can change without them telling u. happened to me this year and i was waiting for nothing 🙄

The way ive seen it work is the 846 date is when the IRS sends it but doesnt necessarily mean it hits your account that day. If ur worried call the refund hotline at 1-800-829-1954. It's automated but at least you can verify the refund was actually sent.

Did you file with TurboTax or any other service that might take fees out of your refund? Sometimes that delays it by a day or two since it has to go through their bank first. Just something to consider.

I work at a credit union (not Navy Fed) and from my experience, the IRS deposits don't always match the exact date on your transcript. Sometimes we receive them in batches and it depends on when the Federal Reserve processes the ACH transfers. Don't worry too much yet.

not with navy federal but i had a 4/8 deposit date and still havent recieved mine yet. Called the IRS and they said "sometimes it can take up to 21 days after the date on your transcript" which is complete BS. The whole system is a joke.

I just checked my transcript and I'm so confused by all these codes and dates. Does anyone know what these mean? I see a 570 code followed by a 971 and then a 846 with my DDD, but the amounts don't all match up? Is that normal?

The IRS is such a disaster this year. I filed in January and just got my refund last week. Called them multiple times and got different answers every time. It's like they have no idea what's happening in their own system.

My DDD was 4/10 with USAA and it came exactly on that date, not early like usual. Seems like things are running differently this year for some reason. I'd give it until the end of this week before worrying.

Double check you put the right account number on your tax return. Made that mistake once and had to wait for a paper check which took an extra 6 weeks 😭

Not Navy Federal but I'm with Chase and had a 4/15 date too. Nothing hit yet for me either. I think the IRS is just being slow this year.

Probably not what you want to hear, but my friend had a similar issue where the DDD came and went with nothing in her account. Turned out the IRS had some kind of issue and ended up sending a paper check instead. Took another month to arrive. might wanna call and check if thats happening to you.

Had the WORST time trying to figure out my refund status last month. The transcript was so confusing and the WMR tool was useless. I used taxr.ai and it explained everything clearly - showed me exactly why my refund was delayed and what was happening. Found out I had an offset I didn't know about! Might help you understand your situation better.

My sister works for the IRS (not giving tax advice just sharing what I know). She says there's sometimes a 24-48 hour delay between when the IRS initiates the refund and when it actually gets to your bank. If today is your DDD, it could take till Wednesday or Thursday.

Call the tax advocate service at 1-877-777-4778. They can sometimes help speed things up if your refund is delayed past the DDD.