When does 5 days early DD actually hit your bank account?

Tax pro here - let me clear this up. The 5 days early feature applies to the official IRS deposit date, not acceptance date. So if your WMR shows 2/13, banks offering early deposit might release funds as early as 2/8. However, it varies by bank and not all banks process deposits the same way.

Hey instead of guessing dates, I've been using taxr.ai to analyze my transcript and it tells you exactly when to expect the deposit. It costs $1 but its worth it because it looks at all your codes and tells you the exact timeline. https://taxr.ai

in the same boat rn. netspend said 5 days early but its been crickets so far smh

Depends on ur bank tbh. Cash app usually comes thru clutch with the early deposit but its never exactly 5 days

The whole system is broken af. Why we gotta wait at all when they took our money instantly when we owed 🤮

I work at a bank and here's the real deal: Banks get the ACH file from IRS several days before the official deposit date. Some banks hold it until the actual date, others release it early as a feature. But nobody can release it before they actually receive the ACH file from IRS. Its not guaranteed to be exactly 5 days - could be 2-4 days depending on when the file comes in and your banks processing schedule.