I think... there might be a delay with SBTPG processing right now. My DDD is also Feb 23, and I'm still seeing "account not found" as of a few minutes ago. Last year, my account appeared in their system about 48 hours before my DDD, so this seems unusual. Perhaps they're experiencing higher volume? I'm hesitant to call TurboTax again since they weren't very helpful the first time.

I've been tracking this issue for several tax seasons now, and there's actually a pattern to how SBTPG handles these early refunds. In most cases, they seem to wait until they have confirmation from the IRS that your refund is actually being sent before they create your account in their system. For February DDDs, they typically receive batch confirmations from the IRS 24-48 hours before the official DDD, which is why many people see their accounts appear in SBTPG's system the day before their DDD. The "up to 5 days early" is technically possible, but in practice, it seems to happen rarely and might depend on your filing history, refund amount, or other factors that SBTPG uses to assess risk. I would expect your account to appear in their system by tomorrow evening.

Will Credit Karma notify you? I'm waiting too. Got same codes. Need to know when to check.

The TC 846 (Refund Issued) with date 02/26/2025 is your official refund release date. The TC 150 processing date of 03/10/2025 is merely administrative and doesn't affect your direct deposit timing. Credit Karma specifically doesn't offer true "early deposit" like some neobanks - they simply make funds available immediately upon receipt from the Treasury. Your deposit should post on 2/26 or possibly on 2/25 depending on when the Federal Reserve processes the ACH batch.

I've been seeing this issue all over the tax forums lately! So many people with DDDs this week are having the same SBTPG problem. It seems like they're having some kind of system-wide delay in updating accounts. I'd be worried too if it were me, especially since this is your first time filing jointly! But from what everyone's saying, it should still arrive on time even if their system never updates. Does anyone know if SBTPG is having technical issues right now?

Have you tried these alternatives to checking SBTPG? • Check your IRS transcript for the 846 code (that confirms the refund is actually being sent) • Call your bank to see if there's any pending deposit • Look at the actual bank account that will receive the deposit (sometimes it posts early) • Check the IRS2Go app which sometimes updates when the website doesn't Many people focus only on SBTPG but there are multiple ways to track your refund's progress!

I received my refund with a DDD of 2/21 through Chime using the TurboTax early deposit feature. The ACH transfer from Treasury showed as pending in my Chime account approximately 30 hours before the official DDD. Based on the ACH processing schedule, deposits initiated on Monday (2/26) would typically complete by Wednesday (2/28), which aligns with your official DDD. The 5-day early feature doesn't accelerate the IRS release - it only expedites TurboTax's handling once they receive it. Your deposit is likely still in the standard ACH processing window and should post by your official DDD.

Be careful with these "early" deposit features. Last year I paid for a similar service with a different tax preparer and ended up getting my refund on exactly the same day as my friend who didn't pay extra. When I compared it to my previous years' refunds, I realized I would have gotten it on the same day anyway based on my DDD. These companies know most people don't track the exact timing year after year, so they can claim their service "worked" when really it's just the normal timing.

The whole "early deposit" thing with these online banks is like a restaurant promising your food will arrive in 30 minutes but it might be 15 or it might be 45. It's not an exact science! I've been watching the tax refund groups on Facebook like a hawk, and it seems like Chime is being particularly inconsistent this year. Some people got theirs 2 days early, some 1 day, and others (like you and me) right on the DDD. I'm a bit worried about next year now...

I've been using Chime for three years now, and their early deposit feature has become less reliable with tax refunds specifically. Last year, my paycheck consistently came 2 days early, but my tax refund came exactly on the DDD. This year, same thing - paycheck early, tax refund right on time. When I called Chime about it, they explained that IRS deposits are processed differently than regular payroll deposits. They can only release funds early when the sending institution (IRS) provides certain pre-release information, which apparently the IRS doesn't always do consistently.