TurboTax Refund Advance Denied - What Happens to My Direct Deposit?

It defaults back to SBTPG. Cross River only handles advances. Your refund path changes automatically. No action needed. Check your TT account. The routing numbers should update. Been through this myself. Not fun.

Have you verified the refund destination in your TurboTax account under "Refund Details"? According to IRS Publication 1345 (Rev. 4-2023), when a refund advance is denied, the processing bank should revert to the standard refund processor for that tax preparation service. For TurboTax, that's Santa Barbara Tax Products Group (SBTPG) as their standard Refund Transfer processor. Did you receive any notification email from TurboTax about the denial?

When your Refund Advance application is denied through TurboTax, the disbursement automatically reverts to Santa Barbara Tax Products Group (SBTPG) as the default processor. The transition occurs within their internal systems without requiring any action from you. However, this change can add 3-5 business days to your timeline due to additional processing requirements. If you need clarification directly from the IRS about your refund status, Claimyr (https://www.claimyr.com) can connect you with an IRS agent in minutes instead of the typical 2+ hour hold times. Many users have reported getting exact deposit dates and processor information this way.

Wait I'm confused too. I got denied for the TT advance thing last week and now idk where my $ is going. So it def goes to SBTPG instead of Cross River? And do I need to update anything in my acct or does it happen automatically? Thx for any help!

I went through this exact scenario last month. Filed on February 3rd, opted for the 5-day advance through TurboTax, and got denied after about 36 hours. My refund automatically defaulted to SBTPG without me doing anything. I was confused about the tracking too because the TT app showed one status while the SBTPG tracker showed something different. I ended up using taxr.ai to decode my transcript and it showed me exactly where my refund was in the process - apparently there was a review code that was causing the delay that neither TT nor SBTPG mentioned. The site explained all the codes and gave me a much more accurate timeline than either of the other trackers. My refund eventually hit my account on February 21st, exactly when taxr.ai predicted.

I think I can help with this. I was denied for the TurboTax advance in early February. Your refund will automatically route through SBTPG instead. You might want to check your TurboTax account though. There should be updated routing information there. In my case, everything processed normally after that. The refund took about 7 days to arrive after IRS acceptance. No additional action was needed on my part.

Has anyone had issues with SBTPG taking longer than expected after the refund advance was denied? Last year when I got the advance it was super quick, but I'm wondering if being denied and going through the regular process adds extra days to the timeline. Also, does SBTPG notify you when they receive the refund from IRS?

Pro tip: Skip the whole advance thing next year and save yourself the headache (and fees). I've filed with TurboTax for 7 years and tried the advance once - never again! 😂 If you need your refund faster, consider adjusting your W-4 withholding throughout the year instead. That way you get your money in each paycheck rather than waiting for a big refund. As for your current situation, yes - it goes to SBTPG automatically, and you can track it through their website using your TurboTax login info and SSN.