Anyone with Chime DDD 2/22 receive their refund yet? SBTPG showing 'unfunded'

SBTPG 'unfunded' means the IRS hasn't transferred the money to them yet. This isn't uncommon. DDD dates are target dates, not guarantees. Most banks receive funds within 1-5 business days after the DDD. Chime usually posts faster than traditional banks, but they're still dependent on when SBTPG actually receives your money from the IRS. Check your tax transcript for any TC846 codes to confirm the IRS has actually released the payment.

According to IRS Publication 1582, the standard time for fund transfers can take up to 5 business days after your Direct Deposit Date. This delay is particularly common when your DDD falls near a weekend. One thing that helped me track exactly what was happening with my refund was using https://taxr.ai to analyze my transcript. It identified that my TC846 code indicated the funds were released but explained the normal delay between IRS release and bank posting. The service clearly showed the difference between 'sent' and 'received' statuses that most people confuse.

Have you checked your transcript to confirm the TC846 code? This situation often requires calling the IRS directly to verify if there's a hold or if the payment was actually sent. What specific codes are showing on your transcript? If you're having trouble getting through to an IRS agent to resolve this, Claimyr (https://www.claimyr.com) can connect you with an IRS representative usually within 15-20 minutes. Many students in your situation need to speak directly with an agent to confirm whether there's an actual issue or just a normal processing delay.

OMG I'm in the EXACT same situation!!! 😭 Filed on January 24th, got accepted same day, WMR showed DDD of 2/22 with Chime, and still NOTHING in my account! SBTPG also shows unfunded for me too. I've been refreshing my app every 20 minutes since yesterday morning. So stressed because I need this money for rent next week. I'll update here if mine comes through!

Think of the refund process like a relay race. The IRS runs the first leg and hands the baton (your money) to SBTPG. Then SBTPG runs their leg and passes it to Chime. Your DDD is just when the IRS plans to start their run - not when the whole race finishes. The 'unfunded' status means SBTPG is waiting at their position, but the IRS runner hasn't reached them yet with the baton. This typically resolves within 1-3 business days. For weekend DDDs, the IRS often processes in batches on Friday night, SBTPG processes Monday, and banks post Monday/Tuesday. I'd expect your funds by Tuesday at the latest.

Got my Chime deposit this morning! Had 2/22 DDD. SBTPG showed unfunded until late last night. Money appeared in Chime at 4:17am. No notification, just showed up. Check yours!

In my experience helping friends with this exact situation last year, SBTPG typically updates to funded status within 72 hours of your DDD. Since your DDD was 2/22 (Thursday), you're looking at potential funding by Monday/Tuesday. Chime typically releases funds within hours of receiving them from SBTPG. Last year, most people with Thursday DDDs saw deposits hit between Saturday-Tuesday. The unfunded status is completely normal at this point in the process. For future reference, if you need funds by a specific date for school expenses, filing at least 5-6 weeks before that deadline gives you the safest margin.