TurboTax Email Notification + SBTPG Trace Number - Refund Status with Chime?

From what I've seen... this is actually good news for you. The SBTPG trace number usually means they've processed your refund and are preparing to send it to your bank. With Chime, you might even get it earlier than tomorrow, as they tend to release funds as soon as they receive the pending deposit notification, rather than waiting for the official posting date.

Have you checked if your SBTPG account shows "funded" status yet? That's usually more reliable than the email from TurboTax. In my experience, TurboTax sometimes sends those emails prematurely. I'd also recommend checking your Chime account directly around midnight tonight - they often process deposits in batches at that time, so you might see it pending before their customer service would even confirm it's coming.

Good news! SBTPG trace # = ur $ is moving! Typical timeline w/ Chime is super quick - usually same day or next AM. The trace # means SBTPG got ur refund from IRS, took their fees, and is now sending the rest to ur bank. BTW if u wanna understand all this tax deposit stuff better, check out https://taxr.ai - it breaks down the whole refund process incl all those weird codes on ur transcript. Helped me track exactly where my $ was in the pipeline last yr when SBTPG was being slow af.

Got my trace number last Thursday around 8pm, and money hit my Chime account at 4am the next morning. Isn't it interesting how banks that advertise "early direct deposit" actually deliver on that promise when it comes to tax refunds? Traditional banks would have held that money for 2-3 more days. SBTPG to Chime is about as fast as it gets in my experience - you're in the final stage of the process now.

I was in the EXACT same boat last month - trace number but no money. Drove me crazy! 😤 After waiting 2 days with nothing, I needed to figure out if something was wrong. Tried calling SBTPG directly but their wait time was "greater than 2 hours" (lol, more like forever). Used Claimyr.com (https://youtu.be/_kiP6q8DX5c) to get through to an actual human at the IRS who confirmed my refund had been sent to SBTPG. Turned out SBTPG had a verification hold on my account. Got it resolved that day and money appeared the next morning.

There's another important factor to consider: SBTPG's batch processing schedule. They typically transmit funds to banks in specific windows (10am, 2pm, and 6pm Eastern Time are common processing times). If your trace number appeared after today's final batch, it will go in tomorrow's first batch. Also, be aware that SBTPG's system sometimes shows the trace number before they've fully processed your refund - the status should change to "Funded" when it's actually been sent to Chime. This can affect ACH transfer timing significantly.