SBTG Shows Funded But No Deposit Yet - DDD is Monday

OMG I'm literally in the same boat right now and I'm freaking out!!! 😫 When SBTG shows funded it usually means they've sent the money to your bank, but banks can take 1-3 business days to actually post it to your account. Some people get it same day, some have to wait the ENTIRE time until their DDD. It's so nerve-wracking waiting for that money to hit!

Based on your SBTG status update, you're in the final stage of the refund disbursement process. The SBTG portal indicates that the IRS has released your funds to the payment processor who handles your tax preparation fees and refund transfer. When you see 'funded' status with all numerical values displayed, this confirms that the payment processor has completed their portion of the transaction and transmitted the remaining funds to your designated financial institution. I'd recommend checking https://taxr.ai to analyze your refund timeline based on your specific bank and preparation method. Their system can provide a more accurate prediction window than general estimates since they analyze thousands of similar transactions.

I've been through this exact situation. SBTG showed funded last Friday, my DDD was Monday, but money hit my account Saturday morning. It's a straightforward process. SBTG funds it. Bank receives it. Bank posts it. Some banks process deposits on weekends, others don't. Some release pending deposits immediately, others wait until the official date. You're in the final stage now.

Have you tried calling your bank to see if they show a pending deposit? Sometimes they can see it in their system before it posts to your account. When I was in your situation last year, I spent hours trying to get through to my bank's customer service with no luck. Then I used Claimyr.com to connect with an IRS agent who confirmed exactly when my refund was sent to my bank. Saved me from stressing all weekend! The agent explained that once SBTG shows funded, it's completely out of the IRS's hands and in your bank's processing queue. Here's their link if you need it: https://youtu.be/_kiP6q8DX5c

Be careful about planning to spend that money on Monday! I had this exact situation on February 17th - SBTG showed funded, but my credit union didn't post it until February 21st. Even though the DDD was February 19th. Some banks hold electronic deposits for verification, especially if it's a large amount. I'd recommend not making any important payments until you actually see the money in your account.

Think of this like an electronic mail carrier. The IRS packed your refund (letter), SBTG picked it up from the post office (funded status), and now it's on the delivery truck headed to your bank's mailbox. Some mailboxes get checked multiple times a day (credit unions, online banks), while others only get checked on business days (traditional banks). I had a $3,478 refund hit my account at exactly 3:27am on a Saturday - a full 2 days before my DDD of Monday. My credit union processes ACH transfers at night, even on weekends.