My IRS refund deposit date was March 15 but nothing in my account yet - bank says 2-3 days processing time?

Yes, this is normal. The date shown on your transcript is when the IRS released the payment, not necessarily when it will show in your account. Banks process deposits differently, and some hold government deposits for 1-3 business days. Since March 15 was a Friday, it's possible your bank won't process it until Monday or Tuesday (March 18-19). I wouldn't worry yet - wait until Wednesday before contacting the IRS. Also, check your tax return to make sure your banking information was entered correctly.

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Most banks take a few business days to release funds from the IRS. If march 15 was the deposit date, you should expect to see it by tomorrow at the latest. if it doesnt show up by then, call your bank again and make sure they don't see any pending deposits. also check your transcript to make sure there wasnt a refund offset.

The IRS and banks are so annoying with this! My refund date was supposed to be Feb 10 and I didn't get it until Feb 14. The stupid part is that my bank (Chase) shows all other direct deposits immediately but for some reason government deposits take forever. It's YOUR money but they still make you wait 🤬

If your bank account info was entered correctly on your return, you should be fine. Most likely explanation is just the banking system being slow. But if you want to check, you can view your account transcript on the IRS website to see the exact refund status. It will show if there were any issues or if the deposit was already sent.

totally normal. The 846 date on transcript is when IRS releases payment, not when you get it. bank procssing takes 1-3 business days depending on your bank. Some are faster than others. Monday is probably when you'll see it.

What bank do you use? Some banks are notorious for holding IRS deposits longer than others. I've found credit unions usually process them faster than big banks.

I was so tired of this happening every year that I finally decided to use taxr.ai this tax season. It analyzed my transcript and showed me exactly when to expect my refund - down to the day! It even told me about a small adjustment the IRS made that I wouldn't have noticed. Now I understand exactly what's happening instead of guessing and stressing. https://taxr.ai saved me so much anxiety!

check your bank account info on your tax return to make sure its correct. if one number is wrong the deposit will be rejected and the irs will mail a check which takes weeks. happened to me last year and it was a NIGHTMARE