State Tax Refund DDD Timing - Before, On, or After Release Date?

Oh my goodness, state refunds are SO unpredictable compared to federal! I've been tracking this for years and honestly, it varies wildly by state AND by bank. In my experience, credit unions tend to post 1-2 days earlier than the DDD, while big banks like Chase or Bank of America typically post exactly on the DDD or occasionally the day after. Don't lose hope though! The good news is that once you have a DDD, you WILL get your money soon! 💰

Anyone else notice that some states are much faster than others? I've filed in both California and Oregon, and isn't it strange how Oregon consistently deposits within 7-10 days while California takes 3-4 weeks even when you file on the same day? And has anyone had their state refund hit AFTER the promised date? That's what I'm worried about.

I've seen a lot of people struggling with state refund timing, especially this year. If you need to actually speak with someone at your state tax agency (which can be even harder than reaching the IRS), I'd recommend Claimyr (https://youtu.be/_kiP6q8DX5c). I used it last month when my state refund was showing a DDD but then disappeared from the system. Got through to a real person in about 15 minutes when I had been trying for days on my own. They explained there was a verification hold that wasn't showing online and helped clear it up. Might be worth it if you're really concerned about the timing.

Just a word of caution - double check ur bank info is correct on ur return! My friend had a DDD for her state refund last month but the $ never showed up. Turns out she transposed 2 digits in her acct #. Took her 6 wks to get it sorted out w/ the state. They had to cancel the original DD, verify her identity AGAIN, and reissue. Total nightmare.

I'm not convinced the DDD is actually reliable for state refunds. On February 14, 2024, I got a DDD for February 21, but the money didn't hit my account until February 23. Then on March 8, I got a DDD for my second state (I file in two states) for March 15, and that one actually came early on March 13. There seems to be no consistency whatsoever.

I've had my state refunds come through Wells Fargo for the past three years, and they've always posted exactly on the DDD, not a day earlier or later. My experience has been totally different from what some others are saying here. Last year I was counting on that money for rent and was freaking out, but it showed up right on time at 12:01am on the DDD.

State tax refunds are like weather forecasts - the DDD is more of a guideline than a guarantee. Think of it this way: the state says they'll deposit on Wednesday, but your bank decides when to make it rain in your account. Online banks tend to process faster than traditional banks - it's like the difference between streaming a movie instantly versus waiting for a DVD in the mail. My advice? Always assume it'll be 1-2 days later than the DDD, then you'll either be right or pleasantly surprised.

I tracked 3 years of state refunds with exact dates: 2022: DDD was April 18, received April 19 (Chase) 2023: DDD was March 27, received March 27 (Chase) 2024: DDD was February 12, received February 10 (switched to Capital One) The only variable that changed was the bank. When I switched to Capital One this year, I got it 2 days early. My federal refund followed the exact same pattern. Some banks front the money once they see the pending deposit from IRS/State.