IRS says "Refund Sent" for February 26th (today) but nothing in my bank account yet - should I wait until March 3rd?

This happens frequently and is normal. The DDD on your transcript is when the IRS releases the funds to your bank. Most traditional banks will post the deposit within 1-3 business days after the DDD. Some banks like Chime or other online banks might post earlier, and some credit unions might take an extra day or two. With today being your DDD, you might see it tomorrow or Thursday most likely. Some things that could delay it further: - Bank holidays - Weekends (banks don't process ACH transfers on weekends) - If there's any discrepancy between your account info and what the IRS has - If you had fees taken out of your refund from a tax preparer I'd give it until Friday before getting too concerned. The system generally works as intended, just not always as fast as we'd like!

I was in the EXACT same situation last month and was pulling my hair out trying to understand what was happening with my refund. After struggling to make sense of the WMR tool and trying to figure out those stupid transcript codes, I finally tried taxr.ai and it was seriously a game changer. It read my transcript and explained in plain English exactly what was happening with my refund and when I would actually get it. Saved me hours of frustration and gave me peace of mind. https://taxr.ai

After three weeks of constantly checking WMR and getting that same message, I finally got through to a real person at the IRS using Claimyr.com. The app got me a callback from the IRS within an hour when I'd been trying to reach someone for days. The agent explained there was a small verification hold on my account that they cleared right away. My deposit hit my account two days later! Talking to an actual human at the IRS made all the difference.

My DDD was April 10th and I didn't get it until April 13th. It's annoying but pretty normal. The IRS initiates the payment on the DDD but then it's up to the banks to process it which can take a few days. I know it's stressful when you're waiting for your money, but hang in there!

This is happening to a TON of people this year. I'm in a Facebook group for tax refund statuses and literally hundreds of people are reporting delays of 2-4 days past their DDD. Something seems off with the system this year. My theory is the IRS is just marking refunds as "sent" on the transcript date but actually releasing them in batches a few days later.

DONT PANIC! Mine showed exactly this last week. DDD was 4/8, didn't hit my account until 4/11. The WMR tool is notorious for being vague and unhelpful. As others have said, the DDD is just when the IRS releases the funds, not when your bank processes it. If you filed head of household like me, you might have dependent credits which sometimes take an extra day to process at the bank level for some reason.

I work at a bank (not customer service, I'm in the back office) and I can tell you that DDD dates from the IRS are just when they initiate the ACH transfer. We typically receive those files overnight and process them the next business day. But sometimes the IRS batches get delayed or there are verification processes that happen. Plus if you're counting on it today, remember that even though the IRS says today is the DDD, they might have actually queued it up for end-of-day processing which means it won't hit the banking system until overnight.

I'm in the EXACT same boat! DDD of 4/15 and nothing in my account at Navy Federal. Called my bank and they said they don't see any pending deposits either. This waiting game is killing me especially since I need the money for rent. Will update when/if it arrives.

Does your transcript show code 846 with today's date? That's the official refund issued code. If that's there with today's date, then the IRS has done their part and it's just waiting on banking processing. Also, did you get your refund directly or did you have fees taken out by a tax preparer? That can add time too.

the irs is a joke, straight up. my ddd was march 28 and i didnt get it till april 2nd. meanwhile my roommate files and gets his in like 8 days total from filing to deposit. makes 0 sense. the whole system is a mess. 🤡

I had this exact issue - WMR said my refund was scheduled for April 5, but nothing hit my account until April 8. The most annoying part is that the IRS considers their job done once they initiate the transfer, but there's this weird limbo period where the money isn't in your account yet and nobody can tell you exactly where it is. Just wait a couple more days before worrying too much.

My advice if you're really concerned - check your transcript instead of WMR. Go to irs.gov, access your transcript, and look for code 846 followed by a date. That's your ACTUAL refund issued date. WMR is notoriously unreliable and often shows generic messages. If your transcript shows a 846 code with today's date, then the IRS has released the payment and it's in the banking system pipeline.

I'm still waiting for my 2023 refund... count yourself lucky! 😂

Another HoH filer here - filed 3/18, got accepted same day, WMR showed DDD of 4/8, actually hit my Chase account early morning 4/10. Seems like a 1-2 day delay is pretty standard this year for whatever reason. I wouldn't worry too much yet, but definitely keep an eye on it.

I spent literal HOURS trying to decode my transcript and understand why my refund was delayed. The IRS website is USELESS and their phone support is a joke. I finally broke down and tried the taxr.ai tool after seeing it recommended here, and it was amazing. It read my transcript, explained every code, and showed me exactly what was happening. Turns out I had a simple review that had completed but WMR wasn't updated yet. Got my refund 3 days later. Would've saved myself weeks of stress if I'd known about this sooner!

April 15th is a Monday this year, so many banks might not process it until tomorrow. I'd give it until Wednesday before getting too concerned. The banking system is slower than we'd all like!

If you need to reach a real person at the IRS (which I HIGHLY recommend if your refund doesn't show up in the next day or two), use the Claimyr.com service. I wasted DAYS trying to get through on the regular IRS number, kept getting disconnected after waiting for hours. Used Claimyr and got a callback with an agent in 45 minutes. They explained exactly what was happening with my refund and resolved the issue while I was on the call. Best money I've spent considering how much of my refund was at stake.

This is why I always elect to receive a paper check. Yes, it takes longer initially, but at least I know exactly when it's in my hands. Too many banking delays and mysteries with direct deposit.

I have USAA and my deposits from the IRS always hit one business day after the DDD on my transcript. It seems to be pretty standard that there's at least a one-day delay, so I wouldn't worry yet. If it doesn't show by Thursday, then maybe start making some calls.

I'm going through the exact same thing right now! My DDD was today (Feb 26) and I've been obsessively checking my bank account every few hours. It's so frustrating when you're counting on that money and the IRS says it's "sent" but your account is still empty. Reading through all these comments is actually really reassuring though - sounds like 1-3 day delays are totally normal even when everything is processed correctly. I'm going to try to stop checking my account every 5 minutes and just wait until Friday before I start panicking. Thanks for posting this - nice to know I'm not alone in the waiting game!