Received 846 Code on 2/22 - When Should Direct Deposit Actually Arrive?

The 846 code with a direct deposit date is generally reliable, though there are some factors to consider... The standard processing time between 846 posting and actual bank deposit is typically 1-5 business days, depending on your financial institution's processing protocols. Since you mentioned filing an amended return, it's worth noting that this *shouldn't* affect your direct deposit timeline at this point - once the 846 code appears, the verification process for the amended portions has already been completed. I would cautiously suggest that you should see the funds within the standard window, barring any banking holidays or institutional delays.

Have you checked if your bank shows pending deposits? Sometimes they can see it before it posts to your account. Here's what I would do: 1. Log into your bank's online portal and look for pending transactions 2. If nothing shows there, check if your bank has a specific time of day when they post ACH deposits 3. Make sure the bank account on your tax return matches your current active account 4. If nothing appears by the 5th business day after your DDD, then consider calling the IRS Did you receive any email notifications from your bank about incoming deposits?

I was in a similar situation last year where my 846 code showed up but no deposit for over a week. Compared to most people who get their money within 1-3 days, this was extremely unusual. After calling the IRS for three straight days (busy signals every time), I finally used Claimyr.com to get through - took about 15 minutes instead of hours of redialing. The agent confirmed my bank had rejected the deposit due to a name mismatch that wouldn't have been visible on my transcript. If you're worried about the timing or need confirmation, Claimyr can save you from the endless busy signals and get you answers directly from an agent. Here's their link: https://youtu.be/_kiP6q8DX5c

Just got my refund yesterday after seeing my 846 code last Wednesday! Exactly 3 business days which seems to be the sweet spot. 😎 I'm one of those people who prepares waaaaay too much documentation (my tax folder is literally color-coded with 12 sections lol) and I've tracked this for the past 4 years. For regular direct deposits: - 24% arrived 1 business day after 846 code - 53% arrived 2-3 business days after - 19% arrived 4-5 business days after - 4% took longer than 5 days (usually due to bank issues) Since you had an amended return, you're actually in better shape than you think - once you hit the 846 code, you're in the normal processing queue like everyone else!

Is anyone else skeptical about the reliability of these deposit dates? My transcript showed 846 on February 10th with a DDD of February 15th, but the money didn't actually hit my account until February 22nd. No explanation from IRS or my bank. How can we trust these codes when they're consistently inaccurate? Has anyone else experienced significant delays beyond what's considered "normal"?

I've been tracking my tax refunds meticulously for the past 7 years, and I can tell you that the 846 code is actually extremely reliable in predicting the deposit window. Last year, my deposit came exactly on the date specified. The year before, it was one day early. Back in 2020 during the height of COVID processing delays, it was still only 2 days late despite all the chaos. What most people don't realize is that delays are usually caused by the receiving bank's processing schedule, not the IRS. Some banks (especially credit unions) hold ACH deposits for 24-48 hours as standard policy. I'm genuinely impressed with how consistent the 846 code timing has become in recent years.

I appreciate everyone sharing their experiences here! As someone who's dealt with tax issues for years, I can confirm that the 846 code is generally very reliable. In my experience, the deposit usually arrives within 2-3 business days of the code appearing, regardless of whether it was a regular or amended return. One thing I'd add is to make sure you're counting *business days* correctly - weekends and federal holidays don't count. Also, if your bank is a smaller institution or credit union, they might have different ACH processing schedules than the big banks. @Kiara Greene - since your 846 posted on 2/22, I'd expect to see the deposit by 2/27 at the latest (assuming no holidays). The amended return factor shouldn't cause any additional delays at this point in the process. Keep us posted on when it arrives!

I've been following this thread closely because I'm in almost the exact same situation! My 846 code appeared on 2/21 with a DDD of 2/24, and I'm still waiting as of today (2/26). Like you, I also filed an amended return this year to correct some 1099 reporting issues. What's interesting is that I called my bank (Wells Fargo) yesterday and they confirmed they haven't received any pending ACH deposits from the Treasury. This makes me wonder if there might be some additional processing steps for amended returns that aren't reflected in the transcript timing, even after the 846 code posts. Has anyone else with amended returns experienced longer delays between 846 and actual deposit? I'm trying to determine if this is just normal banking variation or if there's something specific about amended returns that might cause additional delays even after the 846 code appears. I'll update this thread as soon as my deposit hits - hoping it's just a banking processing delay and not something more complex!

I've been through this exact scenario multiple times and wanted to share some insights that might help ease your anxiety. The 846 code with a direct deposit date is indeed very reliable - I've tracked my refunds for the past 5 years and the timing has been consistently within the 1-5 business day window that others have mentioned. What's particularly relevant to your situation is that I also filed an amended return two years ago, and once that 846 code appeared, the deposit timeline was identical to my regular returns. The IRS has already completed all their verification processes by the time you see that code, so the amended return factor shouldn't cause any additional delays. A few practical tips based on my experience: - Check your account in the early morning hours (2-6 AM) as that's when most banks process ACH deposits - Remember that some banks don't show government deposits as "pending" - they just appear suddenly - If you're with a smaller bank or credit union, they might batch process ACH deposits only once or twice per week Given that your 846 posted on 2/22, you should definitely see the deposit by end of this week. The fact that your transcript shows the corrected amount is actually a good sign - it means everything has been properly processed and approved. Keep us updated on when it arrives!

I wanted to jump in here as someone who's been lurking in tax communities for a while but finally decided to create an account because this thread is so helpful! I'm currently in the exact same boat - my 846 code appeared on 2/20 with a DDD of 2/23, and I'm still waiting as of today. Reading through everyone's experiences has been really reassuring, especially learning that 1-5 business days is the normal range and that banking processing schedules can vary so much. I'm with a local credit union and now I'm wondering if that might explain the delay since several people mentioned credit unions can be slower with ACH processing. One question for those who have been tracking this over multiple years - do you notice any patterns related to the time of year? I'm wondering if refunds issued in late February might take longer due to higher volume compared to earlier in the season. Thanks to everyone for sharing their experiences and data - it's so much more helpful than the generic advice you find on most IRS websites!

Based on my experience working in tax preparation for several years, I can confirm that the 846 code is one of the most reliable indicators in the IRS system. Once you see this code with your direct deposit date, the funds have officially been released from the Treasury and are in the banking pipeline. Since your 846 posted on 2/22, you should expect to see the deposit by 2/27 at the absolute latest, assuming no banking holidays. The amended return aspect is actually a non-factor at this point - all verification and processing has been completed before the 846 code appears on your transcript. Here's what I typically tell clients in your situation: - Most deposits arrive within 2-3 business days of the 846 code - Check your account early morning (around 3-6 AM) when banks typically process overnight ACH batches - Don't panic if it takes the full 5 business days - this is still within normal parameters - Your bank may not show it as pending, so it could appear without warning The fact that your transcript shows the corrected amount is actually excellent news - it means all your amended return adjustments have been properly processed and approved. You're in the home stretch now!

I wanted to share my recent experience since it might help calm some nerves for those waiting! I just went through this exact situation last month - my 846 code appeared on a Tuesday with a DDD for that Friday, and I was checking my account obsessively just like many of you are doing now. The deposit actually hit my account (Chase) at 2:47 AM on the exact DDD, which was exactly 3 business days after the 846 code appeared. No pending notification beforehand, just suddenly there when I checked in the morning. What really struck me reading through this thread is how consistent everyone's experiences seem to be once you account for different banking processing schedules. The 1-5 business day window that keeps getting mentioned appears to be very accurate based on all the data points people are sharing here. For those of you still waiting (especially @Kiara Greene, @Charlotte White, and @Carmella Fromis), you're all still well within the normal timeframe. The anxiety is totally understandable - I was the same way - but based on everything shared here, your deposits should be arriving very soon. Keep checking those early morning hours, and please update us when they come through! This community knowledge sharing is incredibly valuable for future filers.