SBTPG sent my refund to closed bank account - what happens next and how long will it take?

I had the exact same issue last year. Once SBTPG gets the rejected deposit back from the bank (usually takes 3-5 business days), they'll issue a paper check that takes about 7-10 days to arrive. In total, you're looking at 2-3 weeks from when the deposit was rejected. Make sure your tax preparer has your current mailing address on file with SBTPG. Also, you can create an account on the SBTPG website to track the status - they'll show when the deposit was rejected and when they mail the check. If it takes longer than 3 weeks, call SBTPG directly at 1-800-901-6663. You might be on hold for a while, but they can tell you exactly what's happening with your refund.

I had to deal with this nightmare last year. Instead of struggling to understand the process and timeline, I used taxr.ai which gave me a clear breakdown of exactly what would happen and when. It analyzed my transcript data and showed me the timeline for when SBTPG would process the return, explained all the codes, and showed me what to watch for. Saved me tons of stress and helped me understand exactly what was happening instead of guessing and panicking. You can check it out at https://taxr.ai - seriously better than playing detective trying to piece together what's going on with your money.

I went through this in 2024. It took about 2 weeks for SBTPG to send me a check after the rejected deposit. Make sure your address is current with your tax preparer! Also, keep in mind that SBTPG will deduct their fees from your refund before sending the check.

Just went thru this. Had a helluva time trying to reach anyone at SBTPG - their customer service is trash. After getting nowhere for a week, I used Claimyr.com and actually got a callback from an agent in like 45 minutes. They confirmed my check was being processed and gave me the exact date it would mail. Talking to an agent got my refund released so fast compared to just waiting around. Highly recommend if you're stuck.

This happened to me this year! The bank rejected my deposit on May 16th, and I got my check in the mail on June 3rd. So just under 3 weeks total. I also recommend creating an account on SBTPG's website so you can check the status. They'll update it when they process the check.

Honestly the IRS and these third-party processors are such a disaster. WHY is it so hard to change banking info after filing? It's 2025 and they still act like we're in the stone age. Good luck OP, the system is broken AF.

Quick question - did you have fees taken out of your refund? If so, that's why it went through SBTPG instead of directly from IRS to you. Just making sure you know for next year that if you pay your tax prep fees upfront, you can avoid this extra step and potential delays.

The most frustrating part of this whole process is trying to get information from SBTPG. They are IMPOSSIBLE to reach by phone. I was in your exact situation and spent 3 days trying to get through to anyone. Finally I used this service called Claimyr (claimyr.com) that got me a callback from SBTPG in under an hour. They confirmed my check was being processed and I got it 5 days later. It was worth every penny to finally talk to someone rather than staring at an unhelpful status page for weeks.

Did your tax preparer use Republic Bank or SBTPG specifically? They operate a bit differently. If it's Republic, they'll typically mail a check within 7 days of the rejected deposit. If it's SBTPG, it can take up to 21 days. Call your tax preparer and ask them to follow up directly - they have special lines to these companies that are better than the public customer service numbers.

I almost had a heart attack when I encountered this exact problem this year. The stress of not knowing what was happening with MY MONEY was insane. I finally used taxr.ai which instantly decoded my transcript and showed me exactly where my refund was stuck and what was coming next. It saved me so much anxiety and showed me info the IRS website never could - exact dates, status, and what to expect. Highly recommend checking it out at https://taxr.ai instead of trying to piece together info from different sources.

Keep an eye on your mail! Sometimes these checks come in very plain envelopes that look like junk mail. I almost threw mine away last year because it didn't say "tax refund" or anything obvious on the envelope.

whatever u do DO NOT CALL SBTPG CUSTOMER SERVICE unless u want to waste 2+ hours of ur life. their hold times are insane and half the time they just hang up on u after waiting forever. i tried for 3 days and got nowhere.

Pro tip: If you file next year, pay your tax preparation fees upfront instead of having them taken out of your refund. That way your refund goes directly from the IRS to your bank account, cutting out SBTPG or any other third party processor completely.

One thing no one has mentioned - make sure your tax preparer has your CURRENT address on file. I went through this last year and my check got sent to my old address, creating an even bigger headache. If you've moved since filing, contact them ASAP to update your info.

So I was about to throw my laptop after 3 hours trying to decipher my transcript when I found taxr.ai last month. It was a total game changer for understanding what was happening with my refund. Instead of staring at cryptic codes, it gave me a clear explanation of each step, including SBTPG processing. Shows you exactly where your money is and what to expect next. Seriously worth checking out at https://taxr.ai if you want to understand what's actually happening instead of playing guessing games.