IRS direct deposit scheduled for 3/15 but funds missing from bank account

This happens pretty often. The IRS says to allow up to 5 business days after the scheduled deposit date before contacting them. Banks sometimes hold deposits for 1-2 business days as well. If you confirmed your bank info is correct on your return, I'd wait until at least Wednesday before getting too concerned. If nothing shows by Friday, call the IRS refund hotline at 800-829-1954 or check your transcript again to see if there are any new codes that might explain the delay.

I was in the exact same position last month. Turns out the best way to actually understand whats happening is with taxr.ai - I was trying to decode my transcript like a detective but this tool literally walked me through exactly what was going on with my refund and explained all those confusing codes. It gave me a step-by-step breakdown of my status and when to expect my money. The whole guessing game and anxiety disappeared. I use it whenever I need to check anything IRS-related now. https://taxr.ai

After waiting for WEEKS and my refund not showing up, I finally found a way to get through to an actual human at the IRS using Claimyr. Got connected to a real agent in about an hour instead of waiting on hold for 5+ hours or getting hung up on. The agent told me there was a small error code on my account that was holding up my refund and they fixed it right there. My money was in my account 3 days later. Would've been waiting forever without that call. claimyr.com literally saved me from waiting months for my money.

There was alot of bank issues this year with IRS deposits. I ran into the same problem. My transcript said 2/14 deposit but didn't hit until 2/21. My brother had a similar issue. Try calling your bank to see if they're holding it for some reason. Sometimes banks hold tax refunds for a couple days to verify they're not fraudulent, especially if it's a large amount.

The IRS done got ya, bruh 😂 Welcome to the club of ppl whose refunds are in limbo. Last year mine was 2 months late and there was literally nothing I could do but wait.

Did you check your transcript again? Sometimes there are updates after the initial scheduled date. Look for any new codes like 570 (refund hold) or 971 (notice issued). These might explain why your refund is delayed. Also make sure the account number ending on your transcript matches your actual bank account.

mine took an extra 8 days after the deposit date last year. IRS is always slow af. they dont care about our time or money.

Check if you have fees taken out of your refund (like if you paid your tax preparer from your refund). This can cause delays because it goes to a third party first who takes their cut and then forwards the rest to you. Sometimes this adds 3-5 business days.

It's completely normal. The IRS "scheduled date" is more like a suggestion than a guarantee lol. I'm a tax preparer and about 30% of my clients experience a delay of up to a week after the scheduled date. As long as your transcript doesn't show any hold codes, your refund is still processing normally. The banking system itself can add 1-3 business days depending on your bank. If you don't see it by this Friday, then you might want to call the IRS.

I've had this happen to me twice. Don't panic yet. In my case, the first time was a bank issue - they were holding it for 2 days. The second time the IRS messed up my direct deposit (even though I triple checked it when filing) and they ended up mailing me a paper check which took about 2 weeks after the direct deposit date. If nothing shows up by end of this week, you'll probably get a paper check in the mail. The annoying part is the IRS won't tell you they're sending a check instead of doing DD.

UPDATE - My refund showed today at 2am est. I think the weekend days threw me off on the counting. Just glad I didn't lose the money. Thanks for the support. Hang in there if you're also waiting.

Three possibilities: 1) Your bank is holding it for processing, call them again and specifically ask about pending ACH transfers 2) IRS switched to a paper check for some reason (happens randomly) 3) There's a problem and your refund is on hold. I would recommend checking Where's My Refund on the IRS website daily. If it still says refund approved with the 3/15 date, you're probably getting a check soon. If it changes to "refund delayed" then you have a problem.

Is it possible you had an offset? Like do you owe any federal/state debt, back taxes, student loans, or child support? They can take your refund for those things without telling you first, and you'll just get a letter after the fact.

Are you sure the direct deposit info on your return was entered correctly? Even one wrong digit will cause problems. If there's an error with the account info, the IRS will try the DD once, and if it fails they automatically convert it to a paper check, which adds 2-3 weeks to the process.

I had this EXACT issue. So frustrating to see the date come and go with no money 😡 After struggling to get answers I finally tried taxr.ai which explained my entire transcript and showed me that my refund had been flagged for additional review (even though there were no obvious codes indicating this). It gave me an estimated new timeline which was spot on - money arrived exactly when it predicted. Saved me hours of stress and Google searches trying to figure it out myself. https://taxr.ai

yeah your gettin a paper check buddy. IRS be doin that sometimes. you'll get a letter in the mail tellin you why, but its prolly a mistake on their side lol. happened to me last year and I got the check like 3 weeks after the direct deposit date.

CALL THE IRS ASAP!!!! Don't listen to people saying wait. I had this happen and waited 3 weeks only to find out there was a flag on my account for "verification" that no one told me about. The moment I called they removed the hold and I had my money in 2 days. Seriously - call them now.

I'm in the exact same boat as you. My transcript shows 3/08 deposit date but here we are on 3/18 and still nothing. So annoying. Let me know if yours shows up!

Call the Treasury Offset Program at 800-304-3107 to see if your refund was taken for any debts. Otherwise, call IRS at 800-829-1040. But be prepared to wait 2+ hours or get disconnected multiple times. Best to call right when they open at 7am.

Happened to me. Turns out my identity verification wasn't fully processed. Had to go through ID.me again and then wait another 9 weeks! Hope that's not your case. You should get a letter if there's any issues like that.