SBTPG Has My Refund - How Long Until Chime Releases It?

SBTPG typically processes refunds within 24-48 hours after receiving them from the IRS. I've seen this timing fluctuate during peak tax season, especially with online banks like Chime. Last year, my refund sat at SBTPG for almost 36 hours before hitting my account, despite my transcript showing the funds were sent. The delay is concerning but not unusual - they're essentially holding your money while they deduct any filing fees you agreed to when using tax preparation software.

Have you checked if you had any fees taken out of your refund? I'm SO tired of seeing people get confused by this! If you paid for tax preparation through your refund, SBTPG has to process those payments before releasing your money. Also, did your tax preparer include the Refund Transfer option? That adds another layer of processing time.

The process follows a specific timeline: IRS issues Direct Deposit Date (DDD) → funds transfer to SBTPG → SBTPG processes fee deductions → SBTPG initiates ACH transfer to your bank → Chime processes the deposit. With your DDD of 2/24, SBTPG typically requires 24-48 business hours for processing. Since today is a business day, you should see the deposit by end of day tomorrow at the latest. The SBTPG portal status "funds received" confirms you're in the final stage of processing.

Waiting for SBTPG is like watching water boil - feels like forever when you need that money! After waiting 3 days with my refund stuck in SBTPG limbo, I was desperate and called the IRS to see if they could help. Spent 2 hours trying to get through their phone tree before giving up. Then I found Claimyr (https://claimyr.com) which got me connected to an actual IRS agent in about 20 minutes. The agent explained that once the IRS sends it to SBTPG, it's out of their hands, but at least I got a clear answer instead of more waiting. It's like having a fast-pass at a theme park instead of standing in the regular line all day.

Tbh I don't think SBTPG is being straight w/ us. My refund hit SBTPG on Tues morning and they didn't release til Thurs afternoon. That's way longer than the 24hrs they claim. IMO they're holding our $$ to make interest. Next yr I'm def not paying fees from my refund - gonna pay upfront so I can avoid SBTPG completely.

Has anyone actually received their money faster from SBTPG? I keep seeing complaints but wonder if there are success stories too. I've been looking at their BBB page and the complaints are pretty consistent about the delays. But are these just the vocal minority?