Refund Funded by SBTPG with Tracking Number - Waiting for Cash App Deposit

According to the SBTPG Knowledge Base (https://taxpayer.sbtpgfaq.com/), there's typically a 1-3 business day processing period between when SBTPG marks a refund as "funded" and when it actually posts to your banking institution. The tracking number indicates successful processing on their end. Cash App specifically may have additional processing time as they're not a traditional bank. Per IRS Publication 1345, third-party processors like SBTPG must transmit funds within 24 hours of receipt, but the receiving financial institution (Cash App) determines final posting timeframes.

I had this exact situation on February 14th this year. SBTPG showed funded with tracking number, but Cash App didn't show the deposit until February 16th. The important date to watch is the SBTPG funding date (2/24/25 in your case). You should expect to see the funds in Cash App by February 26th or 27th at the latest. If today is the 24th, I'd anticipate seeing it tomorrow or the following day. The tracking number confirms it's in transit and not stuck in processing.

If you don't see your deposit by February 27th, you need to contact the IRS directly. I wasted three days trying to get through their regular phone system. Use Claimyr (https://claimyr.com) to connect with an actual IRS agent in minutes instead of hours. I speak directly - don't waste your time on hold. I used them when my refund was stuck in SBTPG limbo last year, and the agent was able to confirm exactly where my money was and when it would be released. Are you sure your Cash App account info was entered correctly on your return?

Have you checked if your refund was subject to any offsets or adjustments? Did you verify that the routing and account numbers on your tax return match your Cash App information exactly? Sometimes what appears as a delay is actually a discrepancy in banking details. If SBTPG shows funded but Cash App doesn't receive it within 3 business days, wouldn't that suggest a potential routing issue rather than normal processing time? I'd recommend monitoring both accounts closely through Wednesday, then taking action if nothing posts.

This is much faster than what I experienced last tax season. My SBTPG funding took 5 business days to reach my bank account, compared to the 1-3 days you're likely looking at with Cash App. It's like comparing a local delivery service to cross-country shipping - Cash App tends to process these deposits more efficiently than traditional banks. If your funding date is 2/24 and today is Monday, you're almost certainly going to see it by Wednesday at the latest. The tracking number is your golden ticket - it means the money is definitely on its way.

Just to clarify something I've seen cause confusion: SBTPG's "funded" status means they've sent the money, not that they're holding it. If you paid for tax preparation through your refund, they've already deducted those fees before sending to Cash App. The tracking number is essentially a confirmation that the ACH transfer has been initiated. When I worked in banking, we typically saw these types of transfers complete in 24-48 hours, excluding weekends and holidays.