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I have SECU and they never release until the deposit date. My DDD is the 22nd; I won’t see it until the 22nd.

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This comes directly from the IRS website:

The PATH Act of 2015, approved by Congress, requires us to hold the refund for tax returns that include the EITC or ACTC until Feb. 15. We cannot send refunds before then. However, the IRS cautions that your refund likely won’t arrive in your bank account or debit card until the week of February 27, if there are no processing issues with the tax return and you chose direct deposit.

The 27th date is because returns for PATH may be delayed due to Presidents Day.

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