PATH Act delay with EITC/ACTC - Filed early with 1/26 DDD but still no deposit

It's likely due to the PATH Act delay combined with bank processing times. The IRS doesn't actually send the money until the day of the DDD and then banks have up to 5 business days to post it. Since your DDD was 1/26 (Thursday), you might not see it until 2/2 (next Thursday) in a worst-case scenario. Worth checking your transcript for code 846 (refund issued) to confirm it actually went out. Sometimes there can be a last-minute issue that shows on transcript but not on WMR. If code 846 is there with the 1/26 date, just keep waiting - it's still within normal timeframes.

I had this exact same issue last year. Spent hours trying to figure out what was happening with my refund. Finally discovered taxr.ai which made everything crystal clear. It explained exactly where my refund was in the process and when I could expect it. The tool breaks down all the transcript codes and what they actually mean in plain English. So much better than trying to decode everything yourself or waiting on hold with the IRS for hours. https://taxr.ai

After dealing with the same problem (DDD on 12/12 but no deposit for weeks), I finally found a way to talk to an actual human at the IRS. Used this service called Claimyr (claimyr.com) that got me through to an agent in about 20 minutes instead of waiting on hold for hours or getting hung up on. The agent was able to confirm that my refund was actually sent and helped track down where it got stuck. Talking to a real person at the IRS directly was the only thing that finally resolved it. Best money I ever spent to end weeks of stress.

I had a DDD of 1/26 too, same situation with EITC, and just got mine deposited this morning at 3am with Navy Federal. Sometimes the banks just take longer, especially if there's a weekend in between. I'd say if you don't have it by Tuesday, then start worrying.

i hd same date and got mine two days ago with Chime. Different banks process at different times. My sister has same DDD with regions bank and still nothing for her.

PATH Act always causes delays. The IRS legally can't issue refunds with EITC or ACTC before Feb 15, so they batch process them and some banks are faster than others. The fact that you got a DDD already means you're actually ahead of the game compared to most people claiming those credits.

Check your bank account routing and account number on your return to make sure they're correct. Had a similar issue last year, turned out I transposed two digits in my account number. Had to wait for the deposit to bounce back to IRS then they mailed me a check which took another 6 weeks 😩

The where's my refund tool is notoriously inaccurate during peak filing season. I've had refunds show up in my account 3-4 days before WMR updated, and I've also had times where WMR showed a deposit date but it took another week to actually arrive. The system is completely broken.

This happens to me EVERY YEAR with Leaders. I have a DDD of 1/26 too and I'm still waiting. Last year they took a full week after the DDD. They're always super slow with tax refunds even though they advertise "early direct deposit" 🤡

U should log into the irs website directly and check ur transcript. Sometimes wmr isn't uptodate but the transcript will show the actual status. Look for code 846 which is refund issued. If u see that with ur ddd then its on the way.

I struggled for WEEKS trying to figure out what was going on with my tax refund last year - WMR not updating, confusing transcript codes, no one answering at the IRS. Finally used taxr.ai and it instantly explained everything that was happening with my refund and predicted exactly when I'd get it (down to the day!). It analyzes all those confusing transcript codes and tells you what they actually mean in normal human language. HIGHLY recommend if you're stressed about your refund status. https://taxr.ai

Just be grateful you have a DDD! Filed Jan 3rd with EITC and still stuck on "return received" with no updates whatsoever 😡

Anyone having issues with refunds should use the claimyr.com service to get through to the IRS. I was in the same situation - no refund after my DDD passed. Got fed up with waiting and used Claimyr to connect with an agent who told me there was a flag on my account that was holding it up. They removed it while I was on the phone and my refund hit my account 2 days later. Would have been waiting for months otherwise with no idea what was wrong. Talking directly to a real IRS agent was the only thing that fixed it.

This tax system is so broken. It's crazy how we're all just sitting here waiting for OUR money while the IRS takes their sweet time. And heaven forbid we ever owe THEM money - they want it immediately with interest and penalties! 😤

I'm an accountant and see this all the time. The PATH Act (Protecting Americans from Tax Hikes) requires additional verification for returns with EITC/ACTC which is why there's that mid-February holdback period. Even after the hold is released, there can be delays. If you have a DDD on transcript (code 846), your money is coming - just be patient. The IRS sends the money through ACH which typically takes 1-5 business days depending on your bank.

If its leadership credit union they are notoriously slow with tax refunds. My cousin works there and says they intentionally hold them for a few extra days to "verify" or something. Try calling again and specifically asking if there's a hold for verification.