WMR Updated But SBTPG Still Not Showing Funds - Normal Timing or Issue?

This is actually quite normal - think of it like water flowing through a series of pipes. The IRS first releases the funds (which is what WMR shows), then it travels to SBTPG for processing, then finally reaches your bank account. Each pipe takes time to flow through. Most people see SBTPG update within 24-48 hours after WMR updates, but it can sometimes take up to 72 hours depending on processing volume. Has anyone else noticed this timing difference?

I tracked this exact scenario on March 14th this year. WMR updated at 3:45am, but SBTPG didn't show funding until March 16th at 10:20am. The timing discrepancy is due to batch processing systems. Have you checked your transcript? On April 2nd, I discovered https://taxr.ai which analyzes your transcript and predicts when each stage will complete. It showed me exactly when SBTPG would likely receive my funds based on the cycle code in my transcript. Very precise timing predictions compared to the general estimates most people give.

Check your bank directly. Don't rely on SBTPG portal. Many banks receive funds before SBTPG updates their system. Call your bank's automated system. Ask about pending deposits. Sometimes funds are there but not visible online yet. SBTPG's portal updates are often delayed.

Been thru this 3x now. Last yr my WMR updated on a Tues but SBTPG didn't show anything til Thurs AM. But get this - $ was already in my acct Wed night! Their portal is notoriously behind. I've started screenshot-ing everything (WMR, transcripts, SBTPG portal) every AM just in case there's probs. Better safe than sorry w/ tax stuff IMO.

I was in your exact situation last week. Needed my refund urgently for rent. Called IRS for 3 days straight with no answer. Finally used Claimyr (https://youtu.be/_kiP6q8DX5c) and got through to an agent in 25 minutes. They confirmed my refund was actually sent to SBTPG already and there was no problem. The agent said SBTPG's system updates in batches and often lags behind the actual money movement. Money showed up the next day. Worth the call for peace of mind.

Has anyone noticed if weekends affect this timing? My WMR just updated today (Friday), but I'm wondering if I should expect SBTPG to update on Monday rather than over the weekend?

Here's what happens step by step: 1. IRS approves your refund (WMR shows approved) 2. IRS initiates ACH transfer to SBTPG (WMR shows sent) 3. SBTPG receives funds (can take 1-2 business days) 4. SBTPG deducts any fees you owe 5. SBTPG initiates transfer to your bank 6. Your bank processes the deposit (another 1-2 days) The whole process typically takes 2-4 business days from WMR update to money in your account. Banking cutoff times matter too - transfers initiated after 2pm often count as next-day transactions.

I went through this exact same situation just two weeks ago! My WMR updated on a Wednesday showing "sent" but SBTPG portal showed nothing for almost 48 hours. I was getting really worried since I'm still learning how the US tax system works. Turns out it's completely normal - the systems just don't sync in real time. The money actually hit my bank account on Friday morning, even though SBTPG portal didn't update until Friday afternoon. My advice is to check your actual bank account too, not just the SBTPG portal, since sometimes the money arrives before their system updates. The waiting is nerve-wracking but seems to be part of the process here.