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It appears that, in most cases, there's a potential delay between the Direct Deposit Date and the actual availability of funds that might be worth considering. The Treasury Financial Manual suggests that while the IRS may initiate the payment on the DDD, financial institutions generally have up to 24 hours to post the funds, though some may take longer depending on their internal policies. Have you perhaps contacted your bank to see if they show a pending deposit?
I tracked exactly 126 DDD reports on this subreddit over the past 47 days. The average time between DDD and actual deposit was 1.3 business days. However, 18.2% of users reported a 2-day delay, and 7.6% reported a 3-day delay. It's now been exactly 24 hours since your DDD date, which means you're still within the normal timeframe. If it doesn't arrive by 5pm tomorrow, THEN you should start investigating!
Wow, I thought I was thorough with my tax tracking spreadsheet! š But seriously, those stats are helpful. I've had DDDs take up to 3 business days before, and I've filed every year for the past 12 years. The one time I called the IRS in a panic on day 2, my deposit showed up that same afternoon. Murphy's Law of tax refunds, I guess.
Looking at your timeline, this is definitely unusual even with IRS delays. I'd recommend pulling your tax transcripts online to see what's actually happening with your return. You can get them instantly at irs.gov/transcripts. If you need help understanding what the transcript codes mean, I used https://taxr.ai to analyze mine when I was in a similar situation. It explained all the weird codes and gave me a clear picture of what was happening and what to expect next. Way better than trying to Google each code individually.
This happened to me too! The IRS has been severely backlogged since COVID, and some returns from previous years are still stuck in processing. Here's what worked for me: 1. Contact your local congressional representative's office - they have caseworkers who can inquire about your refund through special channels 2. File Form 911 (Taxpayer Advocate Service) if you're experiencing financial hardship 3. Request your Wage and Income transcript and Account transcript online And yes, definitely file your 2023 return on time. The systems are separate, and not filing will only create penalties.
I track my TC150 date and DDD religiously every year. My return with an EITC claim was accepted on 2/8, hit with a TC570 hold on 3/4, resolved with TC571 on 3/18, and finally got my TC846 refund issued code on 3/20. Your timeline sounds similar to what many PATH Act affected returns are experiencing this year. The processing backlog seems to be about 2-3 weeks longer than the typical 21-day timeline.
According to the IRS Operations Status page (https://www.irs.gov/newsroom/irs-operations-during-covid-19-mission-critical-functions-continue), they're still working through a backlog from previous years while handling this year's returns. Have you checked your transcript for any specific TC codes? The Where's My Refund tool doesn't show detailed status, but your transcript can tell you exactly where you are in the process.
Tbh I don't trust those 'as of' dates at all. Mine changed 4x during processing last yr and meant absolutely nothing! The IRS systems are so outdated they barely talk to each other. Sometimes the WMR tool shows nothing while your $ is already being sent to your bank. I'd just wait it out - checking obsessively won't make it process any faster (learned that the hard way lol).
I'm actually feeling optimistic about your situation! The as-of date change is DEFINITELY a positive sign that your return is actively moving through the processing pipeline. I've analyzed hundreds of these cases in my work, and this pattern typically indicates successful identity verification integration with your return. The blank transcript is frustrating, I know, but completely normal during this transitional phase as your return moves from verification to standard processing!
Sophie Duck
I had the exact same situation last year. One bar for 3 weeks, then 'still processing' with Topic 152. Couldn't access transcripts either because of their ridiculous ID verification. Called multiple times with no help. Then suddenly got my refund deposited with zero warning or status updates. The WMR tool never updated before the deposit hit. It's maddening but unfortunately typical based on my experience with the IRS for the last 5 years.
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Austin Leonard
If I may add a bit of clarification here, the transition from one bar to "still processing" might possibly indicate that your return has been selected for a more thorough review, though it doesn't necessarily mean there's anything wrong. In my experience, this sometimes happens when there are certain credits claimed or when there are discrepancies that need to be verified. Have you perhaps claimed any credits like the Earned Income Credit or Child Tax Credit? Those tend to trigger additional processing steps.
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