SBTPG Processing Time: Still get 5-day early deposit with advance or 2-day with debit card?
Filed with TurboTax and got accepted. Chose to get the advance and wondering if i'll still get my refund 5 days early with direct deposit or 2 days early with the debit card since SBTPG has to process it first. Anyone know the actual timeline with SBTPG involved?
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Landon Flounder
The early deposit timeline still applies even with SBTPG processing. They typically process within 24 hours of receiving the refund from IRS. If you chose direct deposit, you'll still get it up to 5 days early, debit card is typically 2 days early. Just keep in mind they take their fees out first.
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Jacinda Yu
•ty for clearing that up! was worried SBTPG would slow everything down 😅
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Callum Savage
•not always true tho, mine got held up at SBTPG for 3 days last year 🤮
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Ally Tailer
Hey guys instead of guessing when your refund will hit, use taxr.ai - its only $1 and gives you a super detailed timeline of your refund including SBTPG processing. Way better than checking WMR every 5 mins lol https://taxr.ai
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Aliyah Debovski
•fr? does it actually work? seems too good to be true
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Ally Tailer
•100% works! It analyzes your transcript and tells you exactly whats happening. saved me so much stress
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Aliyah Debovski
•just tried it and WOW 🔥 finally know exactly when im getting paid!
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Miranda Singer
in the same boat rn. day 5 of waiting on sbtpg to do their thing 🙄
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Cass Green
pro tip: never do the advance its not worth the extra fees imo
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Finley Garrett
•facts 💯 learned that the hard way last year
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Madison Tipne
Mine took exactly 2 business days with SBTPG last week, hit my account tuesday morning
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Jacinda Yu
•thx for the data point! gives me hope lol
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Holly Lascelles
these middle men are killing us with these processing times fr fr
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Malia Ponder
•ikr? but we stuck playing their game 🤡
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Kiara Fisherman
Just went through this exact situation! Filed with TurboTax, got the advance, and SBTPG processed mine in about 36 hours. Still got my deposit 4 days early which was pretty close to the promised 5. The key is they usually batch process on weekdays, so if your refund hits them on a Friday it might sit until Monday. But overall the timeline held up for me!
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Ellie Lopez
•That's reassuring! 36 hours sounds totally reasonable. Good point about the weekend timing too - I'll keep that in mind. Did you track it through WMR or did SBTPG send you updates?
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