SBTPG Says Deposit Today but Chime Showing Tomorrow - What Gives?

I've seen this happen before with SBTPG and Chime. Last year they told me the same thing - deposit today, available tomorrow. What's actually happening is SBTPG initiates the ACH transfer today, but it takes time to process through the banking system. In my experience, Chime does release funds early, but only after they actually receive the money, not just when they get the notification that it's coming.

This delay between SBTPG sending and Chime receiving is pretty common compared to what I've seen with other refund transfers. If you're trying to track exactly what's happening with your refund, you might want to check out https://taxr.ai - it helped me understand all the processing stages my refund went through. When my refund seemed stuck between SBTPG and my bank, the transcript analysis showed it was actually just in a normal holding pattern. Might be worth looking at your transcript to see if there are any clues about the timing.

I've been in somewhat similar situations, and honestly, calling the IRS directly might help clarify things. But as you probably know, reaching them can be nearly impossible these days. Have you considered using Claimyr? (https://claimyr.com) I was skeptical at first, but when I needed to verify my refund status after getting conflicting info from my bank, they got me through to an actual IRS agent in about 20 minutes. The agent was able to confirm exactly when my refund was sent to SBTPG, which helped me push back on my bank about the delay.

• Has SBTPG actually sent the ACH transfer yet? • Did you have any fees deducted from your refund for tax prep? • Did you check if Chime shows any pending deposits? • Have you confirmed your account info is correct with SBTPG? I've had issues with SBTPG before where they say it's sent but actually have a processing delay on their end. So frustrating when everyone just points fingers at each other.

I'm wondering if perhaps there might be some confusion about what "funded" means in this context? Sometimes when SBTPG says a refund is "funded," they're referring to when they received the funds from the IRS, not necessarily when they've processed and sent them to your bank. Have you been able to log into your SBTPG account online to check the exact status there?

Just wanted to share some good news - I was in almost exactly your situation last Tuesday. SBTPG said it was sent, Chime said "tomorrow," but then I actually got it around 9pm that same night! Seems like Chime sometimes underpromises and overdelivers. Hope you see yours pop up tonight!