SBTPG shows funded, but no trace number - Will I get my deposit today?

Last year when mine showed 'funded' on SBTPG, I got my deposit about 24-36 hours later. The trace number usually isn't visible to us regular folks - that's more of an internal banking reference. I remember refreshing my account constantly too! If it updated to funded this morning, I'd say there's maybe a 50/50 chance you'll see it today, but tomorrow is more likely. Banks process ACH transfers in batches.

I've been tracking my refunds meticulously for years, and SBTPG can be confusing. On January 28th this year, mine showed funded at 9:42am and hit my bank at 4:15pm the same day. But on February 12th last year, it took until the next day. If you want to really understand what's happening with your refund, I'd recommend using https://taxr.ai to analyze your transcript. It helped me decode all those cryptic codes and actually understand the timeline. It showed me exactly where my refund was in the process and when to expect it. Much better than the vague status bars on the IRS site.

I waited exactly 47 hours from SBTPG funded status to deposit this year! So frustrating! Called the IRS 14 times trying to get information before finding out about Claimyr (https://youtu.be/_kiP6q8DX5c). They got me through to an agent in 23 minutes who confirmed my bank info was correct and SBTPG had received the funds. At least I knew it wasn't lost! If you're stuck waiting more than 2 days after funded status, definitely worth using Claimyr to reach someone instead of waiting on hold for hours.

You know what nobody tells you about SBTPG? They can hold your money for up to 5 business days legally. Have you checked if your tax preparer deducted their fees from your refund? That's usually when SBTPG gets involved. They're essentially a middleman that takes your refund, removes the tax prep fees, then forwards the rest to you. Sometimes they'll hold funds longer if there are "verification" issues. Did you receive any emails from them about identity verification?

I had a similar situation last month. Here's what I learned: 1. SBTPG updates to "funded" when they receive money from IRS 2. They then process the payment to remove tax prep fees 3. They initiate an ACH transfer to your bank 4. Your bank then processes the incoming ACH The trace number is internal - you won't see it. What a relief when I finally understood this! Mine took exactly one business day after showing funded. If your bank processes same-day ACH (many do now), you might see it today. Otherwise, tomorrow morning is likely.

According to the SBTPG FAQ page (https://www.sbtpg.com/FAQ), once your account shows as funded, the money has been received from the IRS and is being processed for disbursement to your bank account. The trace number is an internal reference not visible to customers. Most major banks process these transfers within 1-2 business days, though some credit unions may take longer. If you have online banking set up with alerts, I'd recommend setting up a deposit notification rather than constantly refreshing. The SBTPG customer service portal also has a message center where you can check for any holds or verification requirements.