Just wanted to share a success story! After getting the same error for 3 days straight, I tried accessing SBTPG at exactly 4:30am this morning and got right in! The website shows much less traffic during early morning hours. According to https://downdetector.com/status/sbtpg/ the site has been having issues since Monday with peak outages between 9am-6pm. My refund was there waiting the whole time! Try again during off-hours and you'll likely have better luck.

Had this exact same issue last week! What finally worked for me was switching to my mobile data instead of WiFi - apparently SBTPG sometimes has issues with certain internet providers during peak times. Also, if you're using any VPN or ad blockers, try disabling them temporarily. The site seems really picky about connections when it's under heavy load. Once I got in, my refund info was all there waiting for me. Don't give up - it's definitely a system issue, not a problem with your actual refund!

Just want to add my experience as an S-Corp owner for 5+ years. What's worked for me is picking a consistent, reasonable monthly salary and sticking with it year-round, then taking quarterly distributions based on profitability. This makes everything cleaner for accounting and looks better to the IRS. For your situation this year, a one-time payment will work, but I'd strongly recommend getting on a regular schedule starting January. It's so much easier to manage cash flow when your owner compensation follows a predictable pattern. Also, the whole "reasonable salary" thing isn't as scary as it sounds. It doesn't mean you have to pay yourself market rate if your business can't afford it. It just means you can't take $1 in salary and $100K in distributions to avoid payroll taxes. As long as you're making a good faith effort to pay yourself fairly for your actual work, you'll be fine.

I'd definitely echo what others have said about making that lump sum payment in December rather than waiting. As someone who's dealt with similar timing issues, the IRS is generally more understanding about irregular payments in your first partial year as an S-Corp, especially if you document your reasoning well. One practical tip - when you calculate your reasonable salary amount, keep records of how you arrived at that number (industry research, comparable positions, etc.). I learned this the hard way when my accountant asked me to justify my salary decision later. Also, don't stress too much about the exact percentage split between salary and distributions. The key is that your salary reflects the value of services you actually perform for the business. If you're doing the work of a $60K employee in your industry, then that's a defensible salary regardless of what your total business income is. For next year, I'd suggest setting up automatic monthly salary payments through your payroll service. It makes everything so much cleaner and takes the guesswork out of compliance. You can always adjust the amount quarterly if your business performance changes significantly.

I just went through this exact same situation last month! The "TAX REFUND PROC for RFND DISB" description is totally normal - it's just how some banks display IRS direct deposits. The real issue is your missing $1,100. In my case, it turned out to be an offset for an old federal student loan that had gone into default years ago. I had completely forgotten about it since it was from a different servicer. The crazy part is I never received any notice that they were going to take money from my refund. Here's what I learned: You can actually check if you have any offsets BEFORE filing your taxes by calling the Treasury Offset Program at 1-800-304-3107. They'll tell you exactly what debts you have that could reduce your refund. I wish I had known about this earlier! Also, don't panic about waiting for the letter - mine took almost 4 weeks to arrive. If you need answers sooner, that phone number I mentioned will give you all the details about where your money went.

I've been reading through all these responses and wanted to share my experience too! I got that same "TAX REFUND PROC for RFND DISB" code last year when my refund was reduced by $800. Like others mentioned, the description itself is normal - it's just how the IRS labels certain direct deposits. What helped me figure out the issue was requesting my IRS transcript online at irs.gov. It's free and shows all the activity on your tax account, including any offsets or adjustments. Look for transaction codes like TC 898 (which indicates an offset) or TC 290 (which shows adjustments to your return). The transcript will have cryptic codes, but you can find explanations for most of them on the IRS website or by calling their automated line at 1-800-829-1040. In my case, it was an old overpayment from unemployment benefits that I had to pay back. One thing I learned is that if you disagree with an offset (like if you think the debt isn't yours), you can dispute it. But you have to act fast - there are time limits on challenging these things. The letter they send will explain your appeal rights, but don't wait too long to take action if you think there's an error. Hope this helps! The waiting and uncertainty is the worst part, but you'll get answers soon.

I used to work in payroll and can confirm what others have said about CAFE 125. It's absolutely a good thing! One thing to watch for though - if you're contributing to Social Security, these deductions DO NOT reduce your Social Security wages, only your federal taxable wages. That's why your Box 3 (Social Security wages) might be higher than Box 1 (Federal taxable wages).

This thread has been incredibly helpful! I just want to add that if you're still confused about any codes on your W2 (not just CAFE 125), the IRS has a really useful publication called Publication 15-A that explains all the different box codes and what they mean. You can find it on irs.gov under forms and publications. Also, for anyone who might be new to pre-tax benefits - don't feel bad about not understanding this stuff! I've been working for 15 years and still learn something new about taxes every year. The important thing is that CAFE 125 represents money you're already saving on taxes, so it's definitely working in your favor. Keep those benefit elections going during open enrollment!

To all those having trouble reaching a human at IRS. I just ran across this video that gave me a shortcut to reach a human. Hope it helps! https://youtu.be/_kiP6q8DX5c

Code 570 is definitely a hold/freeze on your account like others mentioned. The March 7th date is when the hold was placed. Since you have 766 (CTC) and 768 (EIC) showing, they're likely verifying your eligibility for those credits. This is pretty routine but frustrating for sure. The good news is that having those credit codes visible usually means they're processing them, just need to verify some details first. Could be income verification, dependent info, or just a random review. Most 570 holds resolve within 6-10 weeks from the date shown, so you're probably getting close if it's been since March 7th. Keep checking your transcripts weekly for updates - you'll see a 571 code when the hold releases. If you don't get a letter requesting documents in the next week or two, it's likely just an automated review that'll clear on its own.