DDD 3/15 but still no deposit - TurboTax says 'refund on the way' for over a week now

This is normal - there's often a delay between when SBTPG (Santa Barbara Tax Products Group) shows funded and when your bank actually processes the deposit. SBTPG is the third-party bank that handles refunds for TurboTax when you choose to have your filing fees taken out of your refund. Typically you'll see your deposit within 1-5 business days after funded status. Some banks hold deposits for 24-48 hours before releasing them. Since your DDD is 3/15, you're still within the normal timeframe. If you don't see anything by Thursday (3/18), then you might want to call your bank to see if they're holding it or contact SBTPG directly at 1-800-901-6663 to ask about the status. One important thing to check - verify that your bank account info was entered correctly when you filed. Simple digit errors are a common reason for delays.

I was in the exact same situation last week and was getting super frustrated trying to figure out what was happening with my refund. I tried using the IRS website but it's so cryptic. Then I found this tool called taxr.ai that actually explained my transcript in plain English and showed me exactly what was happening with my refund. It showed me that SBTPG was holding it for processing but that it was normal and gave me an estimated deposit timeframe. Saved me hours of stress and googling. You should check it out at https://taxr.ai - way better than trying to decipher everything yourself.

After dealing with the same issue (waiting forever with SBTPG showing funded), I finally broke down and used this calling service called Claimyr (claimyr.com) to get through to an actual IRS agent. Got a callback within like 30 minutes when I'd been trying to reach someone for days. The agent confirmed my refund was processed and explained that SBTPG had a processing delay on their end. The money hit my account the next day after the agent put a note on my file. Worth every penny since I got my $3400 refund released instead of waiting potentially another week or more.

Same boat. Got my TT email on 3/5, transcript shows DDD of 3/12, and SBTPG shows funded since 3/8. Still nothing in my acct. Bank says no pending deposits either. This is ridiculous every year.

PSA: If you paid for TurboTax fees out of your refund, SBTPG takes their cut before sending to your bank. They can hold it up to 5 business days even after showing "funded" status. Its stupid but legal.

Had the exact same situation for my tax refund this year. TurboTax email came feb 29, DDD of March 5, SBTPG showed funded March 7, but didnt actually hit my bank until March 13. They're definitely holding onto our money to collect interest. Crooks.

i waited 9 days after funded status before my deposit hit. sbtpg is terrible.

For those who don't know: SBTPG = Santa Barbara Tax Products Group. They're the bank that handles TurboTax refunds when you choose to pay your filing fees through your refund. They take your refund from the IRS, deduct TurboTax fees, and then send the rest to your bank. This extra step can add several days to your refund timeline.

If ur using TurboTax and having them take fees from ur refund, next year PAY THE FEES UPFRONT!!! I did both ways (last year let them take from refund, this year paid upfront) and got my refund 5 days faster this year. The extra step through SBTPG is just them holding our money to make interest.

have u checked ur transcript with the irs? sometimes it will show a different DDD than what turbotax is telling u

Check your SBTPG account directly (not through turbotax). Go to taxpayer.sbtpg.com and create an account using the same info from your tax return. Sometimes it shows more details about the status there.

I had a 3/8 DDD, SBTPG showed funded on 3/10, and deposit hit my account 3/14. So it took 4 business days after funded status. Hang in there!

The trick is to call ur bank directly. Sometimes they can see pending deposits that don't show up in online banking yet. My DDD was 3/1, SBTPG showed funded on 3/3, and when I called my bank on 3/7 (still with no deposit showing), they told me it was scheduled to post the next day. Sure enough it did.

Last year it took 2 weeks after my DDD for the deposit to actually hit my account. The whole system is broken. And try calling the IRS - IMPOSSIBLE to get through. I finally had to use Claimyr (claimyr.com) to get someone on the phone who could help. Found out SBTPG had rejected my routing number for some reason but never notified me! The IRS agent was able to fix it and I got my money 3 days later.

mine sat at "funded" for 6 business days before hitting my account. so annoying.

The IRS, TurboTax, and SBTPG are all playing hot potato with our money while collecting interest. I waited 7 business days after "funded" status before my deposit came through. The system is designed to be confusing and slow.