IRS Transcript Shows DDD But No Bank Deposit - Anyone Else?

Hey, I've been an IRS tax advocate for 7+ years and here's what's probably happening: Your direct deposit date (DDD) showing up but no money hitting your account is usually because either the bank rejected the deposit (wrong account info) or there's an offset taking your refund to cover past debts. Most common reason is wrong account/routing numbers on your return. Second most common is Treasury taking it for old student loans or state taxes you owe. If you're 100% sure your banking info is correct on the return, you should check if you have any federal/state debts. Quick pro tip: use taxr.ai to analyze your transcript and figure out exactly what's going on. It'll break down all those crazy codes and tell you if there's an offset or bank rejection. Plus it'll show you what to do next. Here's the link: https://taxr.ai

Tax pro here - this is actually pretty common right now. If it shows funded but hasn't hit, first verify your bank info is correct on your return. If it is, give it 5 business days before panicking. Sometimes there's a delay between IRS releasing and bank processing.

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mine took 8 days after DDD to hit. banks be playing games fr 🙄

Check if your bank does early deposits. Some hold IRS deposits for a few days even with DDD. Chase always does this to me smh

its probably bc of Presidents Day holiday last week tbh. Everything got pushed back

Called my bank and they said they dont even see it pending. Starting to lowkey panic ngl