When to expect DDD after 2/24 processing? $9,624 refund with EIC, filed 2/11, transcript updated 2/25
I filed my tax return on 2/11 and I know I had to wait for the PATH Act date to pass before my refund could process. Looking at my transcript today (02-25-2025), it seems like my return was processed on 2/24. Now I'm just waiting for the direct deposit date (DDD). Does anyone know how long it typically takes to get a DDD after processing? My transcript shows a refund amount of $9,624.00 with EIC and some withholding credits. Specifically, my transcript shows: Internal Revenue Service United States Department of the Treasury Record of Account FORM NUMBER: 1040 TAX PERIOD: Dec. 31, 2024 ACCOUNT BALANCE: -9,624.00 ACCRUED INTEREST: 0.00 AS OF: Mar. 11, 2025 ACCRUED PENALTY: 0.00 AS OF: Mar. 11, 2025 ACCOUNT BALANCE PLUS ACCRUALS (this is not a payoff amount): -9,624.00 INFORMATION FROM THE RETURN OR AS ADJUSTED EXEMPTIONS: 04 FILING STATUS: Head of Household ADJUSTED GROSS INCOME: 32,866.00 TAXABLE INCOME: 10,966.00 TAX PER RETURN: 0.00 RETURN DUE DATE OR RETURN RECEIVED DATE (WHICHEVER IS LATER) Apr. 15, 2025 PROCESSING DATE Feb. 24, 2025 TRANSACTIONS CODE EXPLANATION OF TRANSACTION | CYCLE | DATE | AMOUNT 150 Tax return filed | 20250605 | 02-24-2025 | $0.00 80221-424-36737-5 806 W-2 or 1099 withholding | | 04-16-2025 | -$596.00 766 Credit to your account | | 04-16-2025 | -$3,400.00 768 Earned income credit | | 04-16-2025 | -$5,628.00 Do they actually update the system daily or is it just certain days of the week? My refund has been processing for almost 2 weeks now since PATH lifted and I'm getting anxious. I was expecting to see a code 846 for the refund issued, but it's not there yet. With a processing date of 2/24, when should I realistically expect my direct deposit?
54 comments
Sophia Carter
Based on your transcript, you're at the final stage before receiving your refund. Your return was processed on 3/15 (code 150), and you have credits including withholding ($596), a credit of $3,400 (likely Child Tax Credit), and Earned Income Credit of $5,628. These add up to your total refund amount of $9,624. Typically after processing, the IRS issues a DDD (code 846) within 5-10 business days. DDDs are generally assigned in batches, with most updates happening on Wednesday nights/Thursday mornings. The WMR tool and transcripts usually update overnight between Thursday and Friday mornings. Since you're past PATH Act restrictions and your return is processed, you should likely see your DDD within the next week. Keep checking your transcript daily - once you see code 846, that's your Direct Deposit Date.
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Aaron Boston
Thank you! This helps so much. So you think I should keep checking every morning around 6am?
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Sophia Carter
Yes, check early mornings - especially Thursday/Friday. The IRS systems typically update overnight. If nothing changes by next Wednesday, then check Thursday morning. You're definitely in the final stages!
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Chloe Zhang
This is all true but sometimes the irs transcripts don't update right away. I've had times were my DD hits my bank before I even saw the 846 code 🤷♀️
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Brandon Parker
100% agree with this. The 846 code is what your looking for. Thats the disbursement code with the date they will send your $$$
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Adriana Cohn
I was in EXACTLY the same situation last month. Filed 2/5, processed 3/10, and was checking constantly for my DDD. The most frustrating part was staring at my transcript thinking "everything looks ready!" I finally found taxr.ai and it saved me so much anxiety - it explained exactly what was happening with my codes and predicted my DDD accurately three days before it showed up. Seriously, stop driving yourself crazy trying to figure this out - the tool decoded everything for me instantly. https://taxr.ai
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Jace Caspullo
Sounds interesting. How exactly does it work? Does it just read your transcript or does it do more?
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Adriana Cohn
It actually does a lot more than just read the transcript. It explains each code in plain language, tells you exactly where you are in the process, predicts when you'll get updates, shows what's normal vs what might be a problem. It was able to tell me I was just in normal processing even though I was freaking out. Saved me from calling the IRS for no reason.
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Jace Caspullo
Dude I just tried this and omg it's amazing!!! I've been going CRAZY for weeks trying to understand these random codes. The tool showed me I was actually getting a larger refund than I thought due to an adjustment - would have had no idea otherwise. Everyone needs to know about this!!
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Melody Miles
Does it cost anything?
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Adriana Cohn
Yeah there's a fee but honestly it's worth every penny for the peace of mind. I spent hours trying to decode IRS-speak before I found this.
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Nathaniel Mikhaylov
After waiting for WEEKS and getting nowhere with the IRS phone numbers, I finally found a way to talk to an actual human. Used this service called Claimyr (claimyr.com) that got me connected with an IRS agent who answered all my questions about my DDD. Apparently my return had a small flag that was holding things up, but once I talked to someone they cleared it right up. Best money I've ever spent - got my refund 3 days later!
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Eva St. Cyr
Is this for real? The IRS phone system is literally the worst thing ive ever experienced in my life 🤬
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Nathaniel Mikhaylov
Yes 100% real. I spent HOURS on the automated system getting nowhere. This service basically navigates all that garbage for you and gets you in line for a callback from an actual agent. I got a call back in about 2 hours and the agent fixed my issue right away.
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Kristian Bishop
sounds too good to be true. the irs NEVER calls back 🙄
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Nathaniel Mikhaylov
I was super skeptical too but it actually works. They basically wait on hold for you and when they reach an agent, they connect the call to your phone. Talking to a human solved in 10 minutes what I couldn't figure out in weeks of checking WMR and transcripts.
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Kaitlyn Otto
Yo I just tried this and it legit worked. Got a callback in like 90 mins, agent fixed my issue right away. My refund status just updated today with a DDD for next week!
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Chloe Zhang
mine took exactly 8 days after processing to get the ddd. filed 2/3, processed 3/12, got ddd on 3/20. the waiting is killer but hang in there
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Axel Far
They don't update daily. Transcripts usually update Thursday night/Friday morning. WMR updates throughout the week but the big updates happen on weekends. Keep checking both. You're in the home stretch so the DDD should show up soon! 🤞
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Aaron Boston
That's good to know about the Thursday/Friday updates. I'll try to be patient and check then!
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Jasmine Hernandez
My experience this year has been so frustrating. Filed 2/1, had PATH delay, then was told I needed to verify ID. Nothing is ever simple with the IRS 🤡 But to answer your question, once I got past all that, it was 6 days from processing to DDD. You should be close!
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Luis Johnson
omg ID verify is the WORST. took me 3 weeks to get past that last year.
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Jasmine Hernandez
It was a nightmare! And of course the online system wouldn't verify me so I had to call...which is like trying to win the lottery lol
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Brandon Parker
Im in basicly your same boat. Filled 2/12, prosessed 3/14 and still no 846 code. Im checking every morning, its getting old. From what ive read it should be anyday. But seems to be longer this year for the ddd to be issued then in years past.
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Ellie Kim
The IRS is such a broken system. I filed on 2/7, got processed 3/9, and didn't get my DDD until 3/25. And I've heard of people getting it the very next day after processing. There's absolutely no consistency or logic to their system whatsoever. Just prepare to wait up to 3 weeks after processing, and if it comes sooner, great.
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Eva St. Cyr
this is the correct answer right here. Theres no pattern. No rhyme or reason. Just chaos and pain lol
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Ellie Kim
yep 💯 it's like they intentionally design it to be as confusing and frustrating as possible
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Fiona Sand
Check the WMR tool every morning and your transcript every friday. Thats what I did and my ddd came exactly 10 days after prosessing. The cycle code on your transcript might give you a hint too - if it ends with 05 that means weekly updates (usually friday), if it ends with 01-04 that means daily.
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Aaron Boston
Wheres the cycle code? I don't see anything like that on my transcript
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Fiona Sand
Look at the line with the 150 code - there should be a long number that starts with the year (2025) then a number like 05 or 02 and then more digits. That second set is your cycle code.
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Mohammad Khaled
Man I was going absolutely insane trying to figure out my transcript and what all these codes meant. I kept reading forums and getting confused until I found taxr.ai - it analyzed my transcript and told me EXACTLY what was happening and when to expect my money. Saved me so much frustration! https://taxr.ai
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Alina Rosenthal
Another bot pushing this site? 🙄
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Mohammad Khaled
Not a bot - just someone who was in the same spot as OP a few weeks ago. Was stuck in refund limbo, spent hours trying to figure out what was happening, then found something that actually helped. Just trying to save others the headache I went through.
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Finnegan Gunn
I actually used this too and it was super helpful. Showed me I had an offset I didn't know about and explained exactly why my refund was less than expected.
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Miguel Harvey
The PATH act is such BS. literally just a way for the government to hold onto our money longer. But to answer your question - my processing to DDD was 7 business days this year. keep checking friday mornings.
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Alina Rosenthal
Just gonna throw this out there - has anyone noticed that certain banks post the refunds earlier than others? I have Capital One and always get mine 2-3 days before the official DDD. My friend with Wells Fargo has to wait until the exact day.
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Ashley Simian
Yes! 100%! I use a credit union and they post mine as soon as they get the ACH notification, usually 1-2 days before the official date.
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Oliver Cheng
Chime and cashapp are supposed to be the fastest
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Melody Miles
I use BofA and they ALWAYS make me wait till the exact day 😑
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Taylor To
after spending HOURS on hold trying to figure out whats happening with my refund i found Claimyr (claimyr.com) and they got me an IRS callback in under 2 hours. talked to an actual agent who explained evrything. my return had gotten stuck in some random review that wasnt showing on my transcript. agent released it while i was on the phone with them and i got my ddd the next morning. its literally the only way to talk to a live agent right now
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Kristian Bishop
seriously? i've been trying to reach someone at the IRS for 3 weeks
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Taylor To
dead serious. i wasted so much time before finding this. you get a callback from an actual IRS agent who can see everything about your return and fix issues on the spot if needed. my agent even gave me her direct number for follow up questions.
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Ella Cofer
Have you checked the cycle code on your transcript? if its a weekly code (ends in 05) you'll probably see your update this friday morning. if its a daily (ends in 01-04) you could get it any day.
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Kevin Bell
I know this might sound weird, but look at your account balance at the top of the transcript. If it shows your full refund amount as a minus sign (credit), that's a good sign. It means the money is allocated to you and usually the 846 DDD code follows within a few days.
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Aaron Boston
Yes! It does show -$9,624 as the account balance. That makes me feel better!
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Kevin Bell
Thats great news! You're definitely in the final stage. Should see that DDD very soon.
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Savannah Glover
One thing nobody mentioned - check if your transcript shows any TC 570/571 codes. Those would indicate a hold and release. If you don't have those, you're just in the normal queue waiting for disbursement approval. Usually takes 5-10 business days after processing.
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Aaron Boston
I don't see any 570 or 571 codes, so I guess thats good news?
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Savannah Glover
Yes, that's definitely good news! No holds means smooth sailing from here, just waiting in line for the final approval and disbursement.
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Felix Grigori
Quick tip from someone who's obsessively tracked this process for years: After the PATH date, it typically takes 7-21 days to get your DDD. The IRS processes refunds in batches. Each batch gets assigned a payment date (your DDD). Once you have an 846 code with a date, that's when your money will be sent. Most banks release it same day, some hold it until that exact date.
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Felicity Bud
FYI I had this exact situation. I kept waiting for my transcript to update with the DDD but it never did - the money just showed up in my account one day! So don't rely 100% on the transcript updates.
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Max Reyes
I was going crazy trying to understand my transcript then I used taxr.ai and it literally explained everything in plain english. Saved me so much stress! The tool told me exactly where my refund was in the process and predicted my DDD correctly. https://taxr.ai
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Mikayla Davison
Does it actually predict when you'll get your money? The IRS tools are useless
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Max Reyes
Yes! It analyzes all your codes and gives you a predicted timeframe based on your specific situation. For me it said 5-7 days and I got my DDD exactly 6 days later. It also explains what each code on your transcript actually means in normal human language.
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