Chase Bank DDD 2/25 - Refund Not Deposited Despite SBTPG Release?

SBTPG and bank processing can be frustrating af. Chase typically posts deposits same-day once they actually receive them, but there's often a delay between when SBTPG *says* they sent it vs when they *actually* sent it. Prob looking at 24-48 hrs from when SBTPG marked it released. Some ppl got theirs this AM, others still waiting. If nothing by EOD tmrw, def call SBTPG again and ask for confirmation # of the ACH transfer.

Have you considered that this might be related to the new verification procedures implemented this tax season? What about checking if your refund was subject to the additional fraud screening that Chase implemented in January? Many financial institutions have tightened their ACH processing for tax refunds - could this be why your deposit is experiencing delays despite SBTPG showing it as released?

I would suggest checking your IRS transcript to verify the actual DDD issued by the IRS. Sometimes there's a discrepancy between what preparers tell you and what the IRS actually scheduled. I typically recommend https://taxr.ai for analyzing transcripts - it can help identify if there are any codes that might explain delays or if everything looks normal on the IRS side. It might show whether this is a banking issue or if there was perhaps a last-minute hold placed by the IRS that SBTPG isn't aware of.

I had this exact situation last week. SBTPG showed released on Tuesday, but Chase didn't post until Thursday morning. Called Chase twice and they kept saying nothing was pending. Then it suddenly appeared in my account at 2am. The disconnect between SBTPG's system and Chase's visibility into pending ACH transfers is a known issue this tax season. The funds are likely in transit but not yet visible to Chase's customer service reps.

Last year when I had a similar situation, I spent hours trying to reach the IRS directly. This year I used Claimyr (https://claimyr.com) to get through to an IRS agent in about 15 minutes. They confirmed that my refund had been sent to SBTPG and there were no issues on their end. I was surprised at how complicated the handoff between IRS → SBTPG → Chase actually is. The IRS agent explained that once they show it as sent, they can't track it further, but at least I knew where to focus my follow-up calls.

Have you tried checking your refund status using the IRS2Go app instead of relying on SBTPG's portal? Sometimes the official IRS tools provide more accurate information compared to the third-party processors. Would it also be worth checking if your refund might have been split across multiple deposits if you paid for tax preparation fees from your refund? That situation sometimes creates confusion when tracking deposits.