Think of SBTPG like a toll bridge between the IRS and your Credit Karma account. The "funded" status means your money has arrived at the toll booth, but still needs to pay the fee and cross the bridge. In my experience with Credit Karma deposits, they typically arrive 1-2 days after showing as "funded" in the SBTPG portal. Sometimes this means you get it a day early, sometimes right on the projected date. It's like ordering a package that says "out for delivery" - it's close, but not quite in your hands yet. The good news is that once SBTPG shows funded, you're in the final stage of the process and should see your money very soon.

Be careful with timing expectations. On March 15th, 2024, my SBTPG portal showed "funded" but the money didn't appear in my Credit Karma account until March 18th. This caused me to miss a payment deadline on March 17th because I was counting on having those funds available. The specific dates matter because SBTPG doesn't process on weekends, so if your "funded" status appears on Friday, you likely won't see the deposit until Monday or Tuesday. I'd strongly recommend not making any critical financial plans based on the assumption that you'll receive the funds before the official deposit date, even if many people report getting it early.

Additional data point: The IRS Direct Deposit cutoff for processing cycle 202410 was 03/06/2024. Any returns with TC971 processing completion prior to this date should be included in the current disbursement wave. Your expedited timeline indicates your return likely received TC846 refund issued status during cycle 202409, which explains the rapid processing. Chime's policy of releasing funds upon ACH notification rather than settlement date further accelerated your timeline. For reference, Treasury Financial Manual I TFM 4-2000 outlines the standard ACH settlement timeline.

This is normal. Chime releases early. IRS actually sent it yesterday. Regular banks hold until official release date. Nothing to worry about. Your kids will recover from the scare. Happens every tax season. Chime business model relies on early releases. Perfectly legitimate transaction. Enjoy your refund!

You might want to try a different approach than just waiting. I've been through this before and found these steps helpful: • Call TurboTax directly (not the IRS) - they can confirm if your refund was sent to SBTG • Check your bank for pending deposits - sometimes they appear there before SBTG updates • Look at your TurboTax order confirmation - it should list the exact fees being deducted • Try the SBTG customer service number instead of just the website The $25 fee you mentioned sounds low - are you sure that's the total? Usually there's the TurboTax fee PLUS an additional SBTG processing fee (usually $34-39) for the refund transfer service. This higher total might be why you're extra concerned about tracking it.

Let me clarify exactly how this process works: Step 1: IRS approves your refund (you're here with code 846) Step 2: IRS sends full refund amount to SBTG's bank Step 3: SBTG receives funds (typically 1-3 business days after 846 date) Step 4: SBTG deducts TurboTax fee + their own processing fee Step 5: SBTG forwards remaining balance to your bank Step 6: Your bank processes the deposit (0-2 days depending on your bank) The SBTG tracking system often doesn't update until Step 3 is complete. With today being April 3rd, and assuming your 846 code is dated within the last few days, you should see movement by April 7th at the latest. If nothing shows by then, you should contact TurboTax immediately as there could be an issue with your account information.

According to several online resources I follow, SBTPG typically releases funds within 1-2 business days after showing as "funded." I was impressed with how quickly I got through to an actual IRS agent using https://claimyr.com when I had a similar issue last year. They connected me in about 15 minutes when I'd been trying for days on my own. The agent confirmed exactly when my refund was sent to SBTPG and explained the normal timeline, which gave me peace of mind. Might be worth it if you're really anxious about the timing!

I would be... cautious... about expecting it early. Last year I was in a similar situation and kept checking my account every hour. The stress wasn't worth it. In my experience, SBTPG rarely releases funds before the official DDD, even when they show as funded. If you need the money for something specific this weekend, I would suggest making alternative arrangements just to be safe. The banking system has specific processing windows, and weekend deposits especially can be unpredictable.

I... I think I might try calling that number tomorrow. I filed on February 1st with both EITC and CTC and still nothing. My rent is due in 5 days and I was really, really counting on this refund. Maybe if I call early, around 7:00 AM when they first open, I might have better luck getting through? Every day I check WMR and still just one bar... it's making me so anxious I can barely sleep.

According to the official IRS.gov updates and several tax professional forums I follow, there was indeed a processing delay for EITC/CTC returns this year. The IRS systems were updated on February 18th to begin releasing these refunds, but they're being processed in batches. If you check the r/IRS subreddit or the Facebook tax groups, many people who filed early February are just now seeing deposits this week. The IRS2Go app sometimes updates before the website version of WMR, so that might be worth checking too.