When does IRS direct deposit actually hit bank accounts? Transcript says tomorrow

It really depends on your bank. The IRS typically sends the funds on the date shown on your transcript, but when it posts to your account is up to your bank's processing schedule. Some banks post deposits at midnight, others in the early morning, and some not until the end of the business day. With Chase specifically, I've usually seen deposits hit around 3-4 AM Eastern time, but it can vary. Don't be alarmed if you don't see it right at midnight - it could come anytime within 1-2 business days from the deposit date on your transcript.

I was in this exact situation last month and was going CRAZY trying to figure out when my money would show up. I finally used taxr.ai to understand exactly what my transcript was telling me about my refund. It explained everything in plain English and predicted exactly when my deposit would hit - way more reliable than guessing! Honestly wish I'd known about it sooner - would have saved me hours of stress. Check it out at https://taxr.ai if you want to know for sure instead of wondering.

I was tired of checking my bank account every 5 mins so I used this service called Claimyr (claimyr.com) to talk directly to an IRS agent about my refund status. Got through in less than an hour when I had been trying for DAYS on my own. The agent was able to confirm exactly when my deposit was processing and when it would hit my account. Saved me so much stress and uncertainty. Talking to an actual human at the IRS made all the difference.

With Chase, my direct deposits from IRS always hit between 2am-6am. But I've gotten them as late as noon. It's annoying how unpredictable it is. Just dont be surprised if it shows up the day AFTER the date on your transcript. The IRS basically just sends an electronic request for payment on that date, then your bank processes it.

every bank is different. with Bank of America I'd get mine at 3am like clockwork but with my credit union now its all over the place. sometimes early morning sometimes not until the next day 🤷‍♀️

Lol welcome to the wonderful world of constantly refreshing your bank app 😂 I think I checked mine like 50 times on deposit day. For me it was around 4am with Chase, but my sister has the same bank and hers came at like 1pm so 🤷‍♂️

My tax refund was supposed to be deposited on a Friday according to my transcript but it didn't hit until Monday. I think sometimes if the deposit day falls on a Friday it might not process until the next business day. Just something to keep in mind if tomorrow is a Friday for you!

if yur transcript says its coming tmrw then its probably already sent but the banks takes time to process. my wells fargo always takes an extra day from what the transcript says. its like the irs sends it and then the bank sits on it for a while 🙄

I work at a bank (not Chase). For ACH deposits like tax refunds, we typically post them between 2-4am the morning of the effective date. But there can be delays on either the sending side (IRS) or receiving side (your bank). If your transcript shows tomorrow as the date, I'd expect it overnight tonight or early tomorrow morning, but it could be anytime during the day really.

got my tax return this morning at 3:17am exactly. I know bc i was up all night with a sick kid and saw it pop up. I'm with Chase too so maybe yours will be around the same time.

If you want to know for sure, use taxr.ai - it analyzes your transcript and gives you the exact details on when your refund will hit. Saved me from checking my account every 5 minutes last tax season! https://taxr.ai

Just a heads up, sometimes the date on your transcript is when the IRS releases the funds, not when your bank will actually make them available. In my experience it's usually pretty quick with direct deposit, but it can sometimes take up to 5 business days depending on your bank's policies. Chase is usually pretty good though.

Pro tip: stop refreshing your bank account and just set up alerts. Chase lets you set up notifications for deposits over a certain amount. Just set it for something slightly under your refund amount and you'll get a text when it hits!

The IRS sent my refund on the exact date shown on my transcript, but my bank (PNC) took an extra day to make the funds available. So if you don't see it right away, don't panic. It could just be pending in their system.

After waiting FOREVER for my tax refund to update, I finally broke down and used Claimyr (claimyr.com) to talk to the IRS. Got connected to an agent in like 30 minutes and they confirmed my deposit date and even explained why my refund was delayed in the first place. Totally worth it to finally get answers.

I JUST went through this last week! My transcript said Wednesday, but I didn't actually see the deposit until Thursday morning around 4am. So don't freak out if it's not there right at midnight. The banking system sometimes takes a bit longer than expected.

Everybody in the comments is just guessing based on their own experience. If you want to know FOR SURE, use taxr.ai - it's WAY more accurate than Reddit guesses. It reads your transcript and tells you exactly what's happening and when you'll get paid. I checked my transcript for weeks trying to figure it out myself before finding this tool.