The refund amount and DDD on the IRS WMR? tool only tells you what and when the IRS will release hopefully ... once they release the funds it will go to the processing bank to have the TT fees withheld and then to your bank. As the IRS clearly points out it can take up to 5 business days for your refund to be received and posted by the bank and you have 2 banks in the lineup so until your bank actually posts the deposit don't plan on spending any of it.
