Which banks have an early direct deposit of a tax refund?

Early Direct Deposit of Tax Refunds

If you are expecting a tax refund, you probably want it as soon as possible. The deposit table below should help. We all know that direct deposit is quicker than snail mail. Wouldn’t it be nice to have an early direct deposit? The good news is that some people can get an early direct deposit depending on how they choose to have their refund sent. If you are getting a direct deposit of your tax refund, some banks post refunds up to a few days prior to the date that the IRS indicates that you will receive your refund.  We call these institutions a No Hold Bank (NHB)* because you could receive an early direct deposit of your tax refund since it is before the expected direct deposit date shown on the Where’s My Refund (WMR) status tool.  A Traditional Financial Institution (TFI)** does not usually post an early direct deposit of a tax refund.

You might be wondering “how early” a direct deposit could be with these early direct deposit type of bank products. Below are prepaid products, credit unions, and traditional banks.  Generally speaking, traditional banks do not post direct deposits early.  Some credit unions and NHB prepaid cards have early deposits.  The approximate number of days and time your deposit will post is in the table below.  These dates and times are considering that you paid your tax preparation fees upfront.  For people who chose to have tax preparation fees deducted from their refund, you can usually add an additional day because the refund is processed through a 3rd party bank***.  Some of the 3rd party institutions will show the refund early and are noted below, but the transfer to your bank can take up to 24 hours.

Prepaid Cards: direct deposit is usually early and available immediately.

Credit Unions: direct deposit is usually shown as a pending transaction early; but, available either the night before or next day.

Traditional Banks: usually do not post direct deposits early.

Some No Hold Banks only post paychecks early and not early direct deposit of tax refunds.

The days and times shown below are based on what we have been told by users or by the products advertised early deposit timeframe. The times are shown “as early as” we have seen deposits released.

Early Direct Deposits

Account Now 2 days early; ~1 pm
AMEX Bluebird TBD
AMEX Serve 2 days early; starting ~10a
Axos 2 days early
Bank of America Traditional Financial Institution*
Card.com TBD
Cash App 1-5 days early (according to the website)
Chase Bank Traditional Financial Institution*
Chime 2 days early; ~4 am
CitiBank Traditional Financial Institution*
Emerald Card
Paychecks Post Early; but not Tax Refunds
Fifth Third Bank Traditional Financial Institution*
Global Cash Card TBD
Greendot Paychecks Post Early; but not Tax Refunds
Republic Bank 1 day early (3rd Party Bank)***

ACH transfer to receiving accounts in approximately 8-24 hours after fee deduction

RushCard 2 days early; ~8 pm CT
Netspend 3 days early; begins ~4 pm EST
Navy Federal Credit Union 1-2 days early; begins ~2 pm
PayPal Pre-Paid 1-2 days early; ~1 – 4:0 pm
PNC Bank Traditional Financial Institution*
Regions Bank Traditional Financial Institution*
Safe Credit Union 1-2 days early
Serve TBD
SBTPG 1 day early (3rd Party Bank)***

~8 am CT, then ACH transfer to receiving accounts in approximately 8-24 hours after fee deduction.

SunTrust Traditional Financial Institution*
TD Bank Traditional Financial Institution*
USAA 1 day early; deposits are made twice daily at ~ 6 am and 6 pm
US Bank Traditional Financial Institution*
WalMart Money Card 1 day early
Wells Fargo Traditional Financial Institution*
Woodforest 1 day early; ~3pm
If your bank or prepaid card is not listed or to check with others who use the same bank as you, check our Banks & Prepaid Card Forum.

The table above shows how an early direct deposit works and it is an ongoing IGMR project.  We are continuing to gather information from our users and verify how early they receive their tax refunds.  Please leave us a comment if you have experienced something different or have an additional bank or product we can add.  To ask others, join the live conversation and ask about early direct deposits.

Want to join a credit union?  Here is a list of credit unions anyone can join.

* No Hold Banks (NHB) generally do not hold your refund when they receive it from Treasury and they will post 1-3 days earlier than you expected DDD on WMR.
** Traditional Financial Institutions (TFI) generally do not post deposits early.
*** 3rd Party Banks are used to process refunds that are having tax preparation fees deducted from a refund.
POST YOUR ACTUAL TAX REFUND EXPERIENCE HERE: This is a “user to user” site and the primary mode of support is peer-to-peer, meaning users helping other users. Admin and moderators are not always present or may not be right, or have answers to questions. Users become more informed when they are here often to read and comment. We call them Top Contributors. We are not a group of experts, merely individuals who have learned more than we ever wanted to know about the tax refund process.

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What Others Are Saying:

Select Year to Search Comments:

  1. Mommy3

    I filed on February 1st and still have not received my refund on my emerald card. Anyone else having this problem??

    Reply
  2. Dominique

    I’ve been following this forum because I was in the same boat as a lot of people that said “Still pending.” I filled my return thru TurboTax January 25th, was excepted on the 28th. Got my state within 1 week. Shorty after my bars disappeared and I got this message “Your tax return is still being processed. A refund date will be provided when available, Tax Topic 152.” I never called because I heard a lot of people saying they received letters so I waited and never record a letter. I finally called yesterday (2/28) and the lady told me I was missing a w-2 so I would have to wait to 3/7 to file amended tax return. I have netspend and today at exactly 2:40pm MY REFUND HIT MY ACCOUNT. I’m posting this to give people hope. I checked IRS to go and the same still processing messages pops up, so I never updated but recieved my refund. Good luck to you all!!! (Btw I also claimed my disabled brother on my taxes, single, head of household)

    Reply
  3. christina
    • Tax Preparer:
      freetaxUSA
    • Fees:
      In Advance
    • Filing Date:
      Jan-3
    • Date Accepted:
      Jan-14
    • WMR Bars:
      Take Action
    • WMR Date:
      Jan-21
    • Earned Income Tax Credit (EITC), Child Tax Credit, Additional Child Tax Credit
    • RN 9001, RN 1541, Injured Spouse, Weekly

    I have woodforest and mine loaded at 4:30 am est

    Reply
  4. Charlene

    Preethi : Then you need to contact your bank to trace the refund.
    Walter Higgins : U r my bank
    Walter Higgins : Seriously
    Preethi : Call the IRS Refund Hotline at (800) 829-1954 to help you further with this issue.
    Walter Higgins : It’s being sent to my Paypal account
    Walter Higgins : So u r saying there I’d no deposit for me from the IRS. Correct
    Preethi : As explained we do not have the access to check that.

    Reply
  5. Charlene

    Just got done chatting with PayPal… Disgusted… I may have lied about wmr status as it still only says did…. But still this monolog was craycray
    Ddd 2/27
    Nevada freetaxusa
    Nothing yet

    Here’s a transcript of your chat with PayPal from Tue Feb 26 2019
    PayPal : Thank you for choosing to chat with us. An agent will be with you shortly
    Preethi : Hello, welcome to PayPal live chat. My name is Preethi. I am glad to assist you today.
    Walter Higgins : Does it show a pending drposit
    Walter Higgins : Waiting for taxes
    Preethi : Could you please elaborate your issue? so that I can check and assist you better?
    Walter Higgins : My irs tax refund for **** is it pending
    Preethi : Thanks for sharing the information.
    Preethi : Let me quickly check with my resources and get back to you in few minutes.
    Preethi : Thank you for staying online. I really appreciate your patience.
    Walter Higgins : Yup
    Preethi : Only the IRS will have the updated information on the status of your refund.
    Preethi : The IRS provides three ways to check the status of your tax refund 72 hours after you have e-filed it.
    Walter Higgins : I know it states sent to bank
    Preethi : Visit http://www.irs.gov/refunds and go to “Where’s My Refund.”
    Preethi : Download the IRS2Go App for your mobile device.
    Preethi : Call the IRS Refund Hotline at (800) 829-1954.
    Walter Higgins : I did
    Walter Higgins : Is it pending deposit
    Preethi : Let me check with my resources and get back to you in a minute.
    Walter Higgins : Look it’s not that difficult all I want to know is if you see any pending deposits?
    Preethi : Thank you for staying online.
    Preethi : Once the refund gets processed, your refund will automatically be added to your PayPal balance and you’ll receive a notification via email.
    Walter Higgins : So is it pending?
    Preethi : I apologize we will not be able to check that information.
    Preethi : Visit http://www.irs.gov/refunds and go to “Where’s My Refund.”
    Walter Higgins : It says sent to bank
    Preethi : Then you need to contact your bank to trace the refund.

    Reply
  6. Daya35

    Does it mean your return will not come a day early or on time if you don’t see advance fee take out on Sbtg?when do they post refunds normally or has anyone received and does anyone have any refund posted on Walmart MoneyCard?

    Reply
  7. Carla

    Hope NFCU really does start showing at atleast a pending deposit today! Santa Barbara already released funds buttttt i see no pending deposit… I’m just impatient

    Reply
  8. Angela81

    I have a Walmart Moneycard and have been getting my refund deposited onto the card for the last several years. I have always received the deposit on the date given by the IRS. I usually receive my paychecks 2 days early, but never my tax refund, unfortunately.

    Reply
  9. Klizzle

    I filed with turbo tax early Jan 10th I think, I had processing message on WMR up until 2/22. 2/27 was my ddd. I did NOT pay my fees upfront, I elected to use a turbo tax prepaid card (green dot). 2/26 My deposit POSTED! 7:00AM CST. It actually says 2/25 on my transactions, but when I checked it late last night, it wasn’t showing on my balance yet. Hang in there y’all!!!!

    Reply
  10. jemar707
    • Tax Preparer:
      freetaxUSA
    • Fees:
      Free
    • State:
      Florida
    • Filing Date:
      Feb-11
    • Date Accepted:
      Feb-11
    • Bank or Prepaid:
      Chase
    • WMR Bars:
      2nd Bar
    • Date Approved:
      Feb-23
    • WMR Date:
      Feb-27
    • Direct Deposit Date:
      Feb-27
    • Earned Income Tax Credit (EITC), Child Tax Credit, Schedule C, 1099
    • Weekly

    @Megan Wingerd: Damn them! The good news is that your DDD is on the horizon!

    Reply
  11. jemar707
    • Tax Preparer:
      freetaxUSA
    • Fees:
      Free
    • State:
      Florida
    • Filing Date:
      Feb-11
    • Date Accepted:
      Feb-11
    • Bank or Prepaid:
      Chase
    • WMR Bars:
      2nd Bar
    • Date Approved:
      Feb-23
    • WMR Date:
      Feb-27
    • Direct Deposit Date:
      Feb-27
    • Earned Income Tax Credit (EITC), Child Tax Credit, Schedule C, 1099
    • Weekly

    @StillWaiting: We have found that most credit union will show it pending a few days before your actual DDD, but won’t actually post it as available until your DDD.

    Yeah, we think that is BS too.

    Reply
    1
  12. jemar707
    • Tax Preparer:
      freetaxUSA
    • Fees:
      Free
    • State:
      Florida
    • Filing Date:
      Feb-11
    • Date Accepted:
      Feb-11
    • Bank or Prepaid:
      Chase
    • WMR Bars:
      2nd Bar
    • Date Approved:
      Feb-23
    • WMR Date:
      Feb-27
    • Direct Deposit Date:
      Feb-27
    • Earned Income Tax Credit (EITC), Child Tax Credit, Schedule C, 1099
    • Weekly

    @Jess: TBD – To Be Determined. We have not received any information from users to help us nail down the right info.

    Reply
  13. Shannon.R

    I have Dupont Community Credit Union, and mines pending. But it says release date 2/27. So I think the aholes are holding it until my DDD, the 27th..

    Reply
  14. jemar707
    • Tax Preparer:
      freetaxUSA
    • Fees:
      Free
    • State:
      Florida
    • Filing Date:
      Feb-11
    • Date Accepted:
      Feb-11
    • Bank or Prepaid:
      Chase
    • WMR Bars:
      2nd Bar
    • Date Approved:
      Feb-23
    • WMR Date:
      Feb-27
    • Direct Deposit Date:
      Feb-27
    • Earned Income Tax Credit (EITC), Child Tax Credit, Schedule C, 1099
    • Weekly

    If something is wrong and you feel compelled to type “wrong”… do us a solid and tell us what is correct so that we can fix it.

    Reply
    2
  15. kasp3rd

    Walmart Money Card is also GreenDot and GreenDot states that they deposit “up to two days early”

    Reply
  16. Megan Wingerd

    I have netspend. My ddd is 2/27. Not only has it not gone to sbtpg for fees to be taken out but its not on my card. So while i used to get direct deposit 2 days early from my employer i think its different for tax refunds.

    Reply
    1
  17. DivineVenus

    Not true Green Dot does post tax refunds early. As soon as they get any deposit they post it immediately. My husband got his 5 days early after it was approved by the irs. I normally get mine 3 to 4 days early.

    Reply
    1
  18. UghMondays
    • Tax Preparer:
      H&R Block
    • Fees:
      From Refund
    • State:
      Texas
    • Filing Date:
      Jan-22
    • Date Accepted:
      Jan-23
    • Bank or Prepaid:
      H&R block
    • WMR Bars:
      What Bars?
    • Earned Income Tax Credit (EITC), Child Tax Credit, Additional Child Tax Credit, W2

    Why is Axos bank listed as 2 days early but emerald card Not? Axos is the bank that has the emerald card now.?🤔

    Reply
    1
  19. jemar707
    • Tax Preparer:
      freetaxUSA
    • Fees:
      Free
    • State:
      Florida
    • Filing Date:
      Feb-11
    • Date Accepted:
      Feb-11
    • Bank or Prepaid:
      Chase
    • WMR Bars:
      2nd Bar
    • Date Approved:
      Feb-23
    • WMR Date:
      Feb-27
    • Direct Deposit Date:
      Feb-27
    • Earned Income Tax Credit (EITC), Child Tax Credit, Schedule C, 1099
    • Weekly

    @Red: it means we don’t know. To Be Determined. Sorry for confusion.

    Reply
    1
  20. Lizzy

    My DDD IS 2/27 but i dont Have No Pending Transaction On My Bank I Have Deserts Financial Credit Union ?
    When Does that Bank Hits

    Reply
    1
  21. GCRich

    Confused… isn’t emerald card managed by axos ? I got my dep the day before last year for emerald card with an offset & fee deduction

    Reply
    2
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