


Ask the community...
Has anyone actually received their refund BEFORE the DDD when using SBTPG? Last year my funds hit exactly on my DDD date, not a day sooner, despite seeing the IRS had released it earlier. I've experienced much faster processing with direct deposit to my own bank in previous years, but the convenience of having fees taken out of the refund got me this time.
I'm literally checking my bank account every hour!! š« This is so frustrating! My transcript shows the IRS sent it TWO DAYS AGO but SBTPG still says "pending" with no estimated deposit time. I'm so anxious because I have bills due tomorrow and was counting on this money. I don't trust these tax prep companies anymore - they're just using our refunds like interest-free loans for a few days! š¤
Did you use a tax preparer who took their fees out of your refund? I'm asking because this creates an extra step in the process. Your refund first goes to a temporary account where the preparer's fees are deducted, then the remainder is sent to you. This typically adds 1-2 days to the timeline. I had a 3/12 DDD and just got mine this morning, so yours is likely right around the corner, wouldn't you agree?
This happened to me and I was FREAKING OUT!! I triple-checked my banking info, called my bank THREE times, and was about to call the IRS when my refund finally showed up. It took exactly 4 business days after my DDD. The tax prep fee thing is real and they DON'T make this clear when you're filing!!
Think of it like your refund taking a little detour before reaching your bank account. It's like ordering a package that has to stop at a processing center before final delivery. The system works, but it's not always as direct as we'd like it to be!
Omg don't do what I did last yr! Had a similar DDD, freaked out after 2 days, called IRS and spent 4hrs on hold only to find out everything was fine. Then got my $$ literally while on the phone w/them š¤¦āāļø The WMR tool isn't always accurate but your transcript usually is. If transcript shows refund issued, it's def coming. Banks r slow AF processing these batches esp in tax szn. Hang tight!
Tbh I think SBTG is just terrible. Been using them for 2 yrs and still have probs every qtr. IMO they're just collecting interest on our $ before sending it to IRS. Wouldn't be surprised if they intentionally delay access until they've moved the funds. Govt should really look into these payment processors.
The login restriction is actually part of SBTG's fraud prevention protocol. Their Automated Clearing House (ACH) verification process requires full settlement of funds before enabling account access, which typically takes 2-4 business days depending on your financial institution. This isn't unique to SBTG - most tax payment processors implement similar security measures to prevent fraudulent transactions and payment reversals. The system isn't broken; it's operating as designed with security prioritized over convenience.
I get the security aspect, but they could at least send a confirmation email that your payment was received! The total lack of communication is what drives me crazy. My bank showed the payment went through days ago, but SBTG acts like I don't exist until they're good and ready.
According to my records from the past 3 filing seasons, Pathward has deposited funds exactly 22-24 hours before the official DDD in 100% of cases. For a DDD of 3/15, you should see funds in your account between 9:00am-11:00am on 3/14 based on their standard processing window. They receive the funds from IRS approximately 36 hours before DDD, hold for their processing period of 12-14 hours, then release during their morning batch window which runs from 7:00am-11:00am Eastern time.
I'm supposed to get my refund soon too... Have you ever had them deposit earlier than the day before? I've heard some people saying they occasionally get it two days before, but I'm not sure if that's actually true or just wishful thinking.
Aaron Lee
Based on the current processing times, amended returns are taking approximately 20 weeks (140 days) to process. You filed in June 2024, so you're at about 18-19 weeks now. You're very close to the expected completion timeframe. For reference, I filed an amended return on March 3rd and received processing confirmation on August 12th - exactly 162 days later. Your 2023 amended return should be completed before the 2024 filing season opens on January 23, 2025, so there shouldn't be any timing conflicts.
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Chloe Mitchell
Omg I'm going through EXACTLY this right now and it's so frustrating! š« I think you should consider filing your 2024 taxes electronically as early as possible when the season opens. This way if there are any complications, you'll have more time to resolve them before the deadline. I've learned that paper-filed or amended returns create so many more headaches than e-filed returns. The electronic system processes much faster and has fewer errors. I'm DEFINITELY e-filing everything from now on after my amended return nightmare!
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Amelia Martinez
ā¢Good point about e-filing! Would you recommend using a tax professional next time or just careful DIY with good software?
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Logan Scott
ā¢Thanks for this advice. I'm definitely planning to e-file early this year. I've learned my lesson about waiting until the last minute!
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