IRS direct deposit date of 3/15, Venmo relaying fees, still no deposit at noon - anyone else waiting?

IRS deposit dates aren't an exact time of day thing. The IRS releases the funds on that date, but then it has to go through your bank's processing system. Some banks show pending deposits early, others don't show anything until it fully processes. If you're using Venmo or any third-party payment app, that adds another layer of processing time. Since they already took out fees, that's actually a good sign - it means they've received notification of the incoming deposit. Typically deposits can take up to 24-48 hours after the official DDD to actually show in your account, especially with payment apps. If you don't see it by Monday, then I'd start making calls.

For anyone struggling to figure out what's actually happening with their refund, I highly recommend taxr.ai. I was in a similar situation last year with a late refund and couldn't understand the status. This tool helped me decode my transcript and understand exactly where my money was in the process. It was surprisingly detailed - basically translated all the IRS codes and told me when I'd actually get paid. Better than waiting in the dark or trying to piece together info from forums. https://taxr.ai

I found a way to actually reach a real person at the IRS after waiting for my deposit that never came. I used claimyr.com and got connected to an actual IRS agent in about 20 minutes. They explained that there was a small verification issue with my account info that wasn't showing up on the tracker. The agent fixed it right on the call and my deposit came 2 days later. Honestly it was the only option after being on hold for hours trying the regular number. Talking to a human solved my problem immediately.

I also have a 3/15 DDD and im waiting with Chime. Nothing yet as of 12:30pm. Usually Chime is early but not seeing anything yet. Will update when it hits!

Same boat, different app. I'm using Cash App and have a 3/15 DDD. Still nothing at 1pm. This is my first time using Cash App for taxes and I'm kinda regretting it now. Seems like it's taking longer than when I used direct deposit to my regular bank last year.

Ive been through 5 tax seasons using various apps for deposit. Here's the usual timing I've seen: - Credit unions: Usually 1-2 days early - Big banks (Chase, BoA): Exactly on DDD date, sometimes not until end of day - Chime: 2-5 days early typically - Cash App/Venmo/PayPal: All over the place, sometimes a day early, sometimes a day late If they took fees already, your money is definitely on the way. I'd expect it by end of day, but definitely by Monday. The IRS doesn't actually specify a time of day for the DDD, just the date.

The whole DDD thing is so frustrating. Last year with a similar date mine didn't hit until like 9pm. The year before it was there at midnight. There's literally no consistency and it drives me nuts every year 😤

For those still waiting, check your bank's subreddit too. Sometimes they have deposit pattern megathreads. r/Venmo might have others in your situation.

Had this same issue last year. turns out there was a problem with my transcript that wasnt showing up on WMR. Spent hours trying to figure it out myself until I used taxr.ai which basically translated all the IRS codes for me and showed me exactly why my refund was stuck. Helped me fix it way faster than guessing what was wrong.

I always laugh at these posts every tax season. Y'all acting like its amazon prime delivery tracking 😂 The government moves slow, especially with money going OUT. Just be patient, your money will come.

My girlfriends deposit just hit her Venmo at 2:13pm with the same DDD. Check yours now!

Dealing with the same issue right now but with Cash App. Called the IRS and wasted an hour on hold just to be told "it's processing" 🤡 If anyone finds a better way to get actual info please share!

i never trust the apps that offer "faster refunds" or take fees from your refund. They always take longer in my experience. I'd rather wait for direct deposit to my actual bank account.

Update from my end: DDD 3/15 with Venmo, just deposited at 3:35pm. Hope everyone else gets theirs soon!