I was in your exact situation last month. According to the IRS2Go app and Where's My Refund tool, my deposit date was 2/15, but I had opted for TurboTax's refund transfer. I couldn't access SBTPG either, which was frustrating. The good news is my refund hit my account on 2/17 - so just two business days after the IRS date. The TurboTax support page (https://ttlc.intuit.com/turbotax-support) has a specific section about refund transfers that explains this timeline is normal. Hang in there!

If you can't access SBTPG, you might try contacting your bank directly. Many larger banks can see pending ACH transfers 1-2 days before they post to your account. Just tell them you're expecting an ACH deposit from "SBTPG LLC" or "TurboTax" and ask if they can see anything pending. This worked for me when I was in a similar situation - my bank could see the pending deposit a day before it actually posted to my account.

Be careful about planning to spend that money on Monday! I had this exact situation on February 17th - SBTG showed funded, but my credit union didn't post it until February 21st. Even though the DDD was February 19th. Some banks hold electronic deposits for verification, especially if it's a large amount. I'd recommend not making any important payments until you actually see the money in your account.

Think of this like an electronic mail carrier. The IRS packed your refund (letter), SBTG picked it up from the post office (funded status), and now it's on the delivery truck headed to your bank's mailbox. Some mailboxes get checked multiple times a day (credit unions, online banks), while others only get checked on business days (traditional banks). I had a $3,478 refund hit my account at exactly 3:27am on a Saturday - a full 2 days before my DDD of Monday. My credit union processes ACH transfers at night, even on weekends.

According to the Federal Reserve's ACH processing protocols, financial institutions receive tax refund deposits up to 48 hours before the official DDD. The Treasury Financial Manual stipulates that the IRS initiates these transactions via the NACHA system approximately 2 business days prior to the DDD. Cashapp, being a non-traditional financial service provider, typically adheres to a T+1 settlement window but has discretionary hold policies that vary by user account status and transaction history.

PLEASE be careful with Cashapp for tax refunds! Per IRS Publication 1345 Section 5.2, direct deposits must go to accounts in the taxpayer's name. I had my refund rejected last year because my Cashapp account name didn't exactly match my tax return. The IRS then had to mail a paper check which took 6 additional weeks! Make absolutely sure your Cashapp account information matches your tax filing EXACTLY or you could face significant delays beyond your DDD!

Just wanted to share some good news - despite TurboTax canceling my early refund option on March 13th, my actual refund just hit my account this morning! Isn't that ironic? The regular IRS processing actually ended up being faster than their estimated timeline. So maybe check your bank account? The cancellation might be disappointing, but the regular processing seems to be moving along pretty quickly for many people. Fingers crossed you all see your refunds soon!

I'm curious if this is related to the increased fraud prevention measures the IRS implemented this year. My tax preparer mentioned that many third-party advance options might be affected by the enhanced verification protocols. Has anyone checked their tax transcript through the IRS website? That sometimes shows processing stages that aren't visible in the WMR tool. It might give you more insight into when your actual refund will arrive despite the TurboTax early option being unavailable.

Isn't it interesting how these tax prep companies have created an entire industry around "solving" problems that they themselves help perpetuate? Why pay $25 to get your own money back slightly faster when the real issue is the unnecessarily complex tax system? Have you considered using direct deposit info from a previous year? That typically speeds up processing. Or filing with a different service next year that doesn't charge these premium fees? I've found FreeTaxUSA processes just as quickly as TurboTax but without all the upsells and add-ons.

Check your bank account. Not just WMR. Sometimes money arrives before updates. Happened to me. Filed 2/15. No transcript until 3/2. Money arrived 2/28. No explanation. IRS systems don't always sync. Try early morning transcript checks. Around 4am EST. Best update time. Good luck.