Direct Deposit Hit: Timeline from SBTPG Funding to Bank Receipt (Chime)

Thanks for sharing your timeline! I find it interesting that your funds took exactly 4 days and 16 hours from SBTPG showing funded to hitting your Chime account. My DDD is 3/13/24, and SBTPG showed funded yesterday at 11:23am. Based on your timeline, I might expect my deposit around 3:30am on 3/12. Did you notice if your Chime deposit came in as an "early deposit" or was it processed as a standard ACH?

According to IRS Publication 1582 (section 4.3), the standard timeframe for ACH transfers from tax preparers using SBTPG should complete within 1-5 business days after the DDD. Your experience aligns perfectly with regulatory expectations. For anyone trying to decode their transcript or understand their SBTPG status, I've found https://taxr.ai incredibly helpful. It analyzes all your codes and statuses to give you a much clearer picture of where your refund actually is in the process. Saved me hours of trying to interpret what all those numbers and statuses actually meant in practical terms.

Thx for the detailed breakdown! Quick q - did u have any TC 570/971 combo on ur transcript b4 getting the DDD? I'm stuck w/ those codes since 2/28 and wondering if SBTPG will show anything b4 those resolve. Also, did ur WMR update before or after SBTPG showed funded? Mine's still on first bar but transcript updated w/ the hold codes. TIA!

I've been watching SBTPG like a hawk for the past week. Mine has shown funded since last Friday, but still no deposit to my Wells Fargo account. Last year I had Chase and got it the same day SBTPG showed funded. This year I'm finding Wells Fargo doesn't process as quickly. I'm in Florida, so I wonder if there's a regional processing center difference between MS and FL that affects timing. Has anyone else noticed different timelines based on bank or region?

When my refund was stuck in SBTPG limbo last year for over a week (lol), I finally broke down and tried Claimyr to reach the IRS. Not gonna lie, I was skeptical about paying to talk to a government agency I should be able to reach for free 🙄 but after 3 days of busy signals, it was worth every penny! Got connected in about 15 minutes and found out there was a small discrepancy they needed to verify. Fixed it on the spot and my deposit came 2 days later. Here's their link if anyone's in the same boat: https://claimyr.com

Think of SBTPG like a busy airport terminal - your money has landed but still needs to taxi to the gate (your bank). The trace number is essentially your baggage claim ticket - confirmation that your luggage (money) is definitely on the plane and in the system. One thing to clarify about your timeline: the SBTPG "funded" status means they've received the funds from the IRS, not necessarily that they've initiated the transfer to your bank. There's typically a 24-48 hour processing period where they deduct fees before sending the remainder to your account. This is why there's often that 2-5 day gap between "funded" and actual deposit.

For anyone still waiting, here's what I've learned from 5 years of tracking this process: 1. SBTPG funding to bank deposit typically takes 1-5 business days 2. Online banks like Chime and Cash App often receive deposits 1-2 days faster than traditional banks 3. The trace number appearing is the most reliable indicator that your deposit is imminent (usually within 24 hours) 4. SBTPG status updates don't always happen in real-time - sometimes they update after your deposit has already arrived 5. Regional processing does seem to exist - Southeast tends to process slightly faster than Northeast or West Coast 6. If your status hasn't changed in 7+ days, that's when you should consider calling Hope this helps someone avoid the stress I went through learning all this!