Got DDD of 2/26 on WMR & Transcript - SBTPG Not Showing My Refund?

SBTPG can take 24-48 hrs to update after ur DDD shows on WMR. Happens all the time. They're prob just processing the batch ur in. Since u just filed last wk and already got a DDD for 2/26, ur way ahead of the game! Most ppl r waiting 3+ wks rn. If SBTPG still shows nothing by 2/24, then maybe call TT, but I wouldn't stress yet. BTW, congrats on the super fast processing!

I had the exact same situation on January 30th this year. My transcript showed 846 code but SBTPG showed nothing. I wasted hours trying to get through to the IRS but kept getting disconnected. Finally used Claimyr (https://youtu.be/_kiP6q8DX5c) on February 1st and got connected to an agent in about 15 minutes. The agent confirmed my refund was already sent to SBTPG even though their system wasn't showing it yet. The money showed up in my bank on February 3rd exactly as scheduled. Saved me days of stress wondering if something was wrong!

SBTPG works in batches. Your return is processed. Your DDD is confirmed. SBTPG just hasn't updated yet. They're slow. Their system updates nightly. Check tomorrow morning. Nothing to worry about. This happens every tax season.

Oh my goodness, I had EXACTLY this situation last month!!! I was so worried when SBTPG showed nothing but my transcript had that beautiful 846 code! 😫 I was checking literally every hour and driving myself crazy! I finally used taxr.ai to analyze my transcript and it explained that there's often a 1-2 day delay between IRS issuing the 846 and SBTPG processing it. It even predicted exactly when my deposit would hit my bank! I was SO RELIEVED to understand what all those codes meant and what was actually happening with my money! 💕

Is anyone else concerned about how these third-party processors handle our refunds? Why should we have to wait for SBTPG to process what the IRS has already approved? Wouldn't it be better to just pay the TurboTax fees upfront rather than letting them take it from your refund? How much time do we actually lose by allowing these middlemen to handle our money?

According to the IRS website (https://www.irs.gov/refunds/tax-refund-processing), when you choose to pay fees from your refund, your money MUST go through a third-party processor like SBTPG. It's frustrating but that's how the system works. I've tracked this for years on various tax forums and SBTPG typically takes 1-3 days to process after the IRS releases funds. Their system is notoriously slow to update the customer-facing portal even when they've already received your money.

I've seen this happen with other tax services too, not just TurboTax. Last year I used H&R Block and their bank partner (Axos) took 3 days to show my refund in their system. Meanwhile, my friend who filed with direct deposit straight to her bank account got her refund the same day as her DDD. Makes me wonder if paying the fees upfront is worth it to avoid the delay. Have you considered calling SBTPG directly? Their customer service number sometimes has more updated info than their website.

According to Internal Revenue Manual 21.4.1.4, the 846 code indicates that the refund has been scheduled but not necessarily released. Per IRS Publication 5486, when a taxpayer elects to have fees deducted from their refund, the funds follow a specific path: Treasury → Third-Party Processor → Financial Institution → Taxpayer account. Treasury regulations require each entity to process within 24 hours of receipt, but weekend and holiday delays can extend this timeline. In my case last year, my 846 date was 3/15, SBTPG updated on 3/17, and funds were in my account on 3/18.

I think we've all been through the SBTPG waiting game at some point! From what I've seen in this community over the years, it seems like their system usually updates within about 48 hours of your transcript showing the 846 code, but sometimes it can take a bit longer, especially if your DDD falls around a weekend. I wouldn't worry too much yet - having both WMR and your transcript showing the same DDD is usually a pretty reliable sign that everything is on track! 😊