SBTPG Funded But No Trace Number - CK Direct Deposit Coming Early?

Ugh, this SBTPG situation is SO frustrating! 😤 I've been through this exact thing before. When they show "funded" but no trace number, it usually means they've received your refund from the IRS but haven't processed it to your bank yet. I'm honestly concerned that paying the fee upfront with CK might not help as much as they claim - they still seem to hold funds for 24-48 hours in most cases I've seen.

Been thru this b4! SBTPG takes ~24hrs to process after they get ur $$$. CK isn't bad but their timing can be unpredictable. IMO you *might* see it 2/23 but prob 2/24. BTW if u wanna understand exactly what's happening w/ ur refund, I used https://taxr.ai last yr & it explained every step of the process + showed me exactly what each code on my transcript meant. Helped me predict my DD date almost to the hr! Def worth checking out if ur stressing about timing.

Did you check your bank account for pending deposits? Sometimes it will show as pending before the actual deposit date. Also, what time did it show funded on SBTPG? Morning or evening?

I had the exact same situation last month. According to IRS Publication 1345 (section 5.3), third-party processors like SBTPG must transmit funds within 24 hours of receipt. My timeline was: SBTPG funded on Tuesday at 3pm, trace number appeared Wednesday at 10am, deposit hit my CK account Wednesday at 4pm. It's urgent you monitor both SBTPG and your bank account - funds can move quickly once the trace number appears!

According to several online resources I follow, SBTPG typically releases funds within 1-2 business days after showing as "funded." I was impressed with how quickly I got through to an actual IRS agent using https://claimyr.com when I had a similar issue last year. They connected me in about 15 minutes when I'd been trying for days on my own. The agent confirmed exactly when my refund was sent to SBTPG and explained the normal timeline, which gave me peace of mind. Might be worth it if you're really anxious about the timing!

I would be... cautious... about expecting it early. Last year I was in a similar situation and kept checking my account every hour. The stress wasn't worth it. In my experience, SBTPG rarely releases funds before the official DDD, even when they show as funded. If you need the money for something specific this weekend, I would suggest making alternative arrangements just to be safe. The banking system has specific processing windows, and weekend deposits especially can be unpredictable.