Filed with TaxAct, bank is Chase, DDD 3-12-25 but SBTPG says sent to bank today (3-12) and nothing in account yet

This is pretty normal. SBTPG (Santa Barbara Tax Products Group) is the bank that processes refunds for many tax prep companies. When they say they sent it, that usually means they've initiated the transfer, but it can take 1-3 business days to actually show up in your account depending on your bank. Chase sometimes holds deposits until the next business day, especially if it was sent later in the day. I'd give it until tomorrow afternoon before worrying. If it doesn't show up by Friday, then you might want to contact Chase and/or SBTPG to see what's happening.

I had the exact same issue last month and was freaking out. I couldn't understand all the different dates and statuses. After wasting hours trying to piece together what was happening, I found this tool called taxr.ai that explained everything. It read my transcript for me and showed exactly where my money was and when it would arrive - turns out there was just a processing delay at my bank. Seriously saved me from a panic attack! https://taxr.ai

After dealing with this exact problem and getting absolutely nowhere with the SBTPG customer service, I used Claimyr (claimyr.com) to get through to an actual IRS person. Turns out there was a flag on my account that was holding things up, and the agent was able to remove it right away. My deposit showed up 24 hours later. Talking to a real human at the IRS was what finally broke the logjam - totally worth it to not spend 6 hours on hold.

If SBTPG says they sent it today, you should definitely see it tomorrow. They're not actually sending your money directly - they're sending the instructions to transfer the money through the banking system. The ACH network is basically a big batch process that runs overnight. Just hang tight!

I'm in the exact same boat right now! SBTPG showing sent but nothing in my Wells Fargo yet. The wait is driving me crazy. Let us know when yours hits and I'll do the same. This waiting game sucks.

The IRS and these banks play with our money while we stress about paying bills. Its a joke. Last year they held my refund for 6 MONTHS with zero explanation.then suddenly one day it just showed up in my account. The whole system is broken.

Chase customer here - they typically post deposits between 3-6am. Ive never seen them post a deposit late in the day. If SBTPG sent it today, you'll probably see it in your account first thing tomorrow morning.

Pro tip for next year: don't have your refund go through the tax prep company. There's an option to have the IRS deposit directly to your bank account instead of routing through SBTPG. Just select that you want to pay filing fees out of pocket (use a credit card) rather than out of your refund. Skips this whole waiting game and you get your money faster.

Checked my account this morning and my refund was in there. Had the exact same thing happen with SBTPG. Just give it overnight. The system always says it was sent before it actually shows in your account cuz banks gotta do their thing.

Y'all should try getting an advance instead of waiting. Most tax places will give you your refund on the spot for a small fee. Worth it to not deal with this mess every year imo

I had soooo many problems with my refund this year because of a mistake on my W2. I couldn't understand what was happening from my transcript - it was all these weird codes and dates that made no sense. I spent hours Googling them. Someone recommended taxr.ai and it was legit a lifesaver. It explained everything in plain English and even showed me what to do to fix the issue. Might help if you're having any weird delays with your refund. https://taxr.ai

I literally sat on hold with the IRS for 3 hours yesterday only to get disconnected. Its criminal how they treat us. Trying to find out about my amended return from LAST YEAR that still isnt processed. Anyone know how to actually reach a human?

I work at a bank (not Chase). Here's what's happening: SBTPG initiated the ACH transfer today, but most ACH transfers don't settle same-day unless they're specifically marked as same-day ACH (which costs more). Regular ACH transfers typically take 1-2 business days to complete. So if they initiated it today, it'll probably hit your account tomorrow morning when your bank processes their overnight batch.