Transcript Updated to 3/22 But No Refund Today - What Gives?

This happens quite often. Here's what you need to understand about the deposit dates on transcripts: 1. The date shown is when the IRS releases the funds 2. Your bank then needs 1-3 business days to process 3. Some banks post pending deposits immediately, others don't show anything until fully processed 4. Credit unions often process faster than traditional banks 5. If today is the actual release date, many people won't see funds until tomorrow or even Monday I wouldn't worry unless you don't see anything by Tuesday next week.

Have you checked your actual transcript details beyond just the deposit date? I've found that sometimes there are indicators that might explain the delay. For example, is there a code 570 followed by a 571? Or any other pending actions? Did you verify if there's an offset notice? These details can give you more insight into what's actually happening with your refund. I've been using https://taxr.ai to analyze my transcript this year - it explains all those confusing codes and tells you exactly what's happening with your refund. It even predicted that my deposit would come one day later than the transcript date showed (which it did). Might be worth checking out if you're concerned.

Hey there! Just wanted to clarify smth about those DDD (deposit due dates) on transcripts. They don't always mean same-day deposits. The IRS basically just releases the $$ on that date, but then your bank has to process it. Some ppl get it same day, some take 1-2 biz days. Depends on your bank tbh. FWIW, my credit union usually posts them early AM but my friend w/ Chase doesn't see it till next day. What bank do you use?

I'm in the same situation as you, and it's driving me crazy. When I compare this to how my state refund was processed (got it within hours of the listed date), the IRS process feels like it's from the stone age. After seeing my transcript update with the 3/22 date, I spent 3 hours trying to get through to the IRS yesterday to confirm everything was okay, but couldn't get past the automated system. Finally used Claimyr (https://claimyr.com) to get through to an agent who confirmed my refund was indeed released today but could take 1-3 business days to show in my account depending on my bank. Saved me hours of redial attempts and at least gave me peace of mind that nothing was wrong.

I'm not entirely convinced that transcript dates are reliable indicators anymore. Last year, mine showed a date that came and went with no deposit. When I finally got through to someone at the IRS, they told me there was a "processing error" that wasn't reflected on my transcript. Has anyone else noticed that the transcript system seems less reliable this year compared to previous years? It's almost like the IRS systems aren't properly synced with each other.

I've tracked my refunds precisely for the past 4 years. In my experience, exactly 78% of the time, the funds arrive exactly 1 business day after the transcript date. For the remaining 22%, it's been 2 business days. Never have I received it same-day as the transcript date. The IRS releases funds in batches at 12:01am on the DDD, then banks process according to their own schedules. Some process overnight files at 3am, others at 5am, and some don't process until their end-of-day batch at 6pm. I'd be concerned only if nothing appears by Tuesday, as that would exceed the normal 1-3 business day window that financial institutions typically require.

Be careful about assuming everything is fine just because others say delays are normal. Last year my transcript showed a deposit date but the money never came. When I finally checked the IRS2Go app and the official Where's My Refund tool at IRS.gov/refunds, I discovered my refund had been offset for an old student loan. The transcript doesn't always show these kinds of issues. According to the IRS Refund FAQ page (https://www.irs.gov/refunds/tax-season-refund-frequently-asked-questions), a deposit date on your transcript isn't a guarantee if there are other financial obligations that can trigger an offset. Always verify through multiple official channels.

Have you considered calling your bank directly? Many banks have specific departments that handle government deposits, and they can often see pending ACH transfers before they post to your account. I've found this approach to be much more effective than waiting or trying to reach the IRS. Most banks have extended hours for their ACH departments, and they can tell you if they've received the transfer notification from the Treasury Department. This gives you a definitive answer rather than speculating based on transcript dates which, as others have mentioned, are really just release dates rather than deposit guarantees.

Lol welcome to the "refresh your bank app every 5 minutes" club! 😂 I was in the same boat last week - transcript said 3/15 but didn't hit my account until 3/18 (Monday). Nearly drove myself crazy checking all weekend! From what I've seen on this sub, about 60% get it same day, 30% next day, and 10% take 2-3 days. Seems to depend on your bank and sometimes just luck of the draw. Hang in there - it's coming! 💰