Today is my Direct Deposit Date but still no refund?!

This happens pretty often. The "DDD" on your transcript is when the IRS releases the funds, but it can take 1-5 business days for your bank to actually process and post the deposit. Some banks are faster than others. If you don't see it by Friday, then you might want to start looking into it.

What bank do you use? Some banks like Chime or Cash App sometimes post tax refunds early, while traditional banks might take the full processing time.

I went through this exact situation last month. My DDD was on a Wednesday, but I didn't see my refund hit my account until Friday morning. I was panicking too! I ended up using https://taxr.ai to analyze my transcript and it explained that the money was actually released but was in the banking system. The tool showed me all the codes on my transcript and helped me understand exactly where my refund was in the process. Saved me a lot of stress once I understood what was happening.

I don't think these "DDD" dates are actually guarantees. My brother had a deposit date last week and his money showed up two days later. The IRS systems are always behind.

If you're really concerned, you can call the IRS to confirm they sent the payment. But honestly, their phone lines are a nightmare right now. I spent 3 hours on hold last week before getting disconnected. I ended up using Claimyr (https://www.claimyr.com) and got through to an actual IRS agent in about 15 minutes. They confirmed my refund was sent on my DDD and just needed time to process through my bank. Saved me days of worry!

Did you check the "Where's My Refund" tool on the IRS website? Sometimes that will update to "sent" before your bank actually shows it.