IRS refund posted to SBTPG on 2/25 but still not received in my account after two months

SBTPG typically takes 1-3 business days to process your refund after they receive it from the IRS. The date you see (4/22) is when SBTPG received your money from the IRS, not when they sent it to your bank. They need to take out their fees first, then process the payment to your bank, which can then take another 1-2 business days to show in your account depending on your bank's policies. I would give it until the end of the week before getting concerned. If you don't see anything by Friday, contact SBTPG directly through their customer service line. They can verify if the payment was sent to your bank account and provide a trace number if needed. This is extremely common - the delay between SBTPG receiving and you getting your money is frustrating but normal.

I was in the same boat a few weeks ago. After hours of confusion and trying to figure out where my money was, I found this tool called taxr.ai that basically translated my whole transcript and explained everything that was happening with my refund. It showed me exactly when SBTPG received my money and when it would hit my account based on historical processing times. Saved me so much headache since the IRS and SBTPG websites are impossible to navigate. https://taxr.ai

After 2 weeks of waiting for my refund that was supposedly 'posted' to SBTPG, I FINALLY figured out how to talk to an actual human at the IRS about it. Used a service called Claimyr (claimyr.com) that got me through to an IRS agent in about 20 minutes when I had been trying for days on my own. The agent confirmed SBTPG had my money and gave me their direct contact info. Called SBTPG with that info and they released my payment same day. Sometimes you just need to talk to a real person!

So I worked as a tax preparer and can explain what's happening. SBTPG is a "middleman" that processes refunds when you choose to have your tax prep fees deducted from your refund. The "posted" date just means when they received the money from the IRS. After that, they: 1) Take out their fees 2) Take out the tax prep fees 3) Process the remainder to your bank which takes 1-3 business days. The entire process usually takes 2-5 business days from the "posted" date. If you're really concerned, you can call SBTPG at 800-901-6663 to check status.

Next year don't pay for tax prep with your refund! That's the whole reason SBTPG exists - they charge a fee to advance the tax prep fee to the company you filed with, then take it back when they get your refund. If you just pay the tax prep fee upfront with a credit card, your refund goes straight from IRS to your bank with no middleman and no delay.

I'm in the same boat right now. Mine posted to SBTPG yesterday too and nothing in my account yet. So annoying. When I check my SBTPG account does it at least show the amount after they took their fees?

Check if you entered the wrong bank info! My friend had this happen and after a week of waiting she realized she transposed two digits in her account number when filing. SBTPG had to mail her a paper check which took another 2 weeks 😫

what is SBTPG? never heard of them before 🤔

Ugh the SBTPG wait is THE WORST. Last year mine said "posted" for 4 days before hitting my account. Their customer service is useless too - just told me "it's processing" when I called. Just be patient, it'll show up... eventually.

One thing nobody mentioned - if you owe any federal or state debts (like student loans, child support, etc.) SBTPG might be holding your refund for offset verification. This happened to me last year - said posted but then took a week because they were verifying if any of it needed to be garnished.

The IRS and their "partners" are such a joke. So many unnecessary delays for what should be a simple process. I'll never understand why it takes 3-5 business days to move money electronically in 2025 🤡

I had this exact issue two weeks ago. Check the SBTPG portal carefully and look for any verification requirements. In my case, I had to verify my identity because my refund was over a certain amount. There was a tiny notification in the portal I almost missed. After I verified, the money hit my account next day.

Have you checked your spam folder for emails from SBTPG? I was waiting for mine and didn't realize they'd emailed me asking for additional verification. Once I completed that, my refund was deposited the next day.

I was having the exact same issue last month. Found out it was because my name on my tax return didn't exactly match my bank account (I used my middle initial on one but not the other). SBTPG rejected the deposit and had to mail me a check instead. Might be worth checking if your name format exactly matches.

Everyone here keeps saying wait a few days but if you need that money NOW, call SBTPG directly and ask them to expedite it. Last year I called and told them I had urgent bills to pay and they processed mine same day. The squeaky wheel gets the grease! Their number is 800-901-6663.