Pro tip from someone who preps way too much: split ur refund using Form 8888! I directed part of my refund to my NFCU acct and part to my local CU. NFCU charged the fee but my local didn't. Next yr I'm skipping NFCU completely. Also double-check ur routing/acct #'s before filing - one wrong digit and u might end up with a paper check anyway. Btw the fee is exactly $15 as of 4/12/24.

I experienced this exact issue on March 24th when my $3,247 refund hit my Navy Federal account. They deducted exactly $15.00 as a "processing fee" which wasn't charged in previous years. I called and spoke with a representative for 37 minutes who explained this was implemented in January 2024. After expressing my disappointment about the lack of clear communication, they agreed to refund the fee as a one-time courtesy. I understand they're a business, but I wish they'd been more transparent about this change.

I'm dealing with this RIGHT NOW! My transcript shows code 846 dated 4/2/2024 which means the IRS sent my refund on Tuesday, but SBTPG still shows "Pending" status. Their automated system says they received my refund but it's "being processed" with no ETA. I need this money for a car repair ASAP! Tech support steps that worked for a friend: 1. Create account on taxpayer.sbtpg.com using EXACT info from tax return 2. Verify your identity through their system 3. Check if status shows "Funded" (IRS sent money) or just "Pending" 4. If "Funded" but not disbursed after 48hrs, call 800-901-6663 and ask for escalation to disbursement team 5. Mention specifically that IRS shows refund as issued via code 846 Will update when/if I get my money!

There seems to be some confusion about how SBTPG actually works with TurboTax. Did you know that SBTPG is actually owned by Green Dot Corporation, not Intuit (TurboTax's parent)? This matters because they operate as separate entities with different customer service systems. The most common issue isn't that refunds get lost, but rather that there's poor communication between systems. Have you checked both the IRS Where's My Refund tool AND the SBTPG refund status page? They often show different information during the transfer process. One clarification: if you paid for TurboTax directly (credit card, etc.) and didn't opt for fees to be taken from your refund, your refund bypasses SBTPG completely. SBTPG only gets involved when you choose the refund transfer payment option for covering tax prep fees.

Per IRS Publication 1345 (Rev. 1-2023), when refund anticipation products are used (such as fees deducted from refund), the financial institution serving as the intermediary must process the refund within 24 hours of receipt on business days. However, this doesn't account for ACH transfer times between financial institutions. The total timeline from IRS direct deposit date to final customer receipt typically spans 2-5 business days, with most occurring within 3 business days. This is standard practice and within normal processing parameters.

Want to know how ridiculous this gets? My roommate and I both filed on the same day through H&R Block. She paid her fees upfront and got her refund exactly on her DD date (2/22). I chose to have fees taken out of my refund with the same DD date, and I'm still waiting. Same tax situation, same filing date, same DD date - just different fee payment methods. Doesn't that seem like something they should warn people about?

Have you tried checking your status on the GA Tax Center website? Isn't it interesting how the federal system can process millions more returns yet still be faster than individual states? I was pulling my hair out waiting for my GA refund last year, but once I discovered you can check the status online, it gave me some peace of mind. Even though the status was just "processing" for weeks, at least I knew it was in their system. Relief came when it finally changed to "processed" and the money arrived three days later.

Georgia's tax processing is like a southern country road compared to the IRS highway system - takes you to the same place but at a much more leisurely pace! The state uses a different verification system that checks returns against employer reporting, which creates a bottleneck. I've noticed that if you claimed any tax credits on your GA return, that tends to slow things down even more. Have you claimed any GA-specific credits this year?

It's totally normal! Think of it like standing in two different lines at the grocery store. 😂 One line (PATH) is for people with certain credits and can't move until Feb 15th. The other line (your line!) moves at normal speed. You just happened to be in the express lane! Just make sure your bank account info is correct, and you should see that money hit your account right on time. Maybe even a day early if your bank is cool like that!

FWIW, I filed on 1/28 with no EITC/ACTC and got my DDD on 2/15. The WMR tool never showed PATH msg for me either. My transcript updated with an 846 code on 2/10, and the $ hit my acct exactly on 2/15. Check your transcript for code 846 - that's the official refund issued date. The IRS systems can be glitchy af, but the transcript codes never lie.