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I've seen this situation perhaps dozens of times on this forum, and it seems to be somewhat common this filing season in particular. The IRS appears to be prioritizing refund processing over transcript updates, which might be related to their staffing challenges. While there's always a small possibility of issues, most users reporting this discrepancy have received their refunds on schedule. It might be prudent to check with your bank on the morning of your DDD to confirm pending deposits, as some financial institutions may show this information before the official posting date.
This is like having your pizza delivery tracker say "out for delivery" while the restaurant still shows your order as "preparing." The money is literally on its way while the paperwork is still catching up! Happened to me last month - got my direct deposit right on schedule (4/12) but my transcript didn't update until a week AFTER I had the money. The IRS is running their systems on Windows 95 while trying to process millions of returns.
Got my refund today. Transcript still blank. WMR was right. No issues with deposit. Bank processed immediately. System disconnect is real. Don't panic. Trust the DDD.
Per IRS Publication 2043 and the Taxpayer First Act guidelines, the standard processing time for e-filed returns is 21 days. However, returns with Schedule C income (gig workers) are subject to additional verification protocols under IRC section 6402(e). Paying fees upfront versus from your refund should not impact IRS processing. Calling the IRS rarely expedites processing unless there is an actual error requiring taxpayer intervention. Most returns resolve automatically within the system queue.
While the regulations are correct, the practical reality is different this tax season. The IRS Return Processing Pipeline is experiencing significant backlogs, particularly for returns with self-employment income. Having direct contact with an IRS representative can provide status verification and, in some cases, manual routing to appropriate departments. When a return is stuck in verification queues, agent intervention can sometimes expedite processing by confirming identity or income verification has been completed. This isn't about bypassing normal procedures - it's about ensuring your return hasn't been incorrectly flagged or stalled in the system.
Tbh this is why I stopped using tax prep services that take fees from refund. The extra wait is brutal! Last yr switched to FreeTaxUSA and paid the $15 fee upfront w/ my CC. Got my refund DD straight from IRS w/o any SBTPG delays. Might be worth considering for next yr if the wait is stressing u out.
I've been through this SBTPG nightmare three years running. Last year they held my refund for 7 days after receiving it from the IRS. The year before that, it was 5 days. This year I wised up and just paid my preparation fees upfront. My refund came direct from IRS to my bank account in 13 days total. No more SBTPG for me ever again!
Have you checked if your return was actually accepted by the IRS? SBTPG won't create your account until that happens. Go back to TurboTax and check your e-file status first. If it shows accepted, then call SBTPG directly. Don't waste time with their website.
Omg I went through this EXACT nightmare last month! I filed on Feb 18th and couldn't access my SBTPG account for almost 3 weeks! I kept checking every single day and getting more frustrated. Turns out my return had a small review flag on it (nothing serious) but that delayed the SBTPG account creation. When I finally got through to someone, they told me they had my info the whole time but their system doesn't create the customer-facing account until certain processing steps are complete. So annoying they don't explain this anywhere! Just keep checking WMR and be patient - your money isn't lost!
Chloe Anderson
Are you using a Refund Transfer product with TurboTax? This utilizes a temporary bank account that can delay Direct Deposit processing by 5-7 business days beyond standard ACH transfer times. The SBBT (Santa Barbara Bank & Trust) or similar processor must receive the funds from IRS, deduct applicable fees, then initiate a secondary ACH to your personal account.
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Diego Vargas
ā¢This is probably what's happening. I would *definitely* check if you opted for the refund transfer option, which is sometimes the default if you chose to pay TurboTax fees from your refund rather than separately. That almost always adds several days, sometimes up to a week, to the process.
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CosmicCruiser
Last year I had the exact same issue with TurboTax. It showed funded on a Thursday, but I didn't get my money until the following Tuesday. They use Republic Bank for their refund transfers, and they're notoriously slow. I switched to FreeTaxUSA this year and got my refund 2 days after the IRS approved it. Saved the fee and got my money faster.
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