State refund received via paper chk 2 wks ago, fed refund accepted 4 days ago, Where is my fed refund at?

[mesquitebean]

I'm not sure how you are using the term "accepted."    What wording do you see with this IRS tool?  Does it say the funds have been sent?
<a rel="nofollow" target="_blank" href="https://www.irs.gov/Refunds">https://www.irs.gov/Refunds</a>

Are you due to get your refund by direct deposit to your bank account, direct deposit to the Turbo Prepaid VISA Card, or another prepaid card?

[mesquitebean]

If that tools shows that the IRS has actually sent the funds, the IRS FAQ page says to allow "up to 5 days" due to variations in bank processing procedures and times.   But it usually doesn't take that long.

However, there may be another link in the chain that you can check in the meantime if you used the following service:

Did you have any TurboTax fees that you chose to pay out of the Federal refund?  If so, the funds go first from the IRS to a temporary account at an intermediary bank where the fees are subtracted.   Then that intermediary bank sends the rest of the funds on to your bank (or card.)   If you used that method to pay fees, and if the IRS has actually released the funds, we can tell you how to check on the funds at the level of the intermediary company.

[jamesroot19]

I accidentally put the wrong account number in when I filed, and that must be why I received the state refund via check. But I owe turbo tax fees, and now I found that I entered the wrong account number.

[SweetieJean]

Accepted is not the same as Approved. Do you mean Approved?

[jamesroot19]

Yes, approved. The refund was APPROVED.

How do I find if the intermediary bank has my money? This is most likely the case, as I just spoke with BOA and I entered the wrong account number. Will this intermediary bank simply send me a check?

[mesquitebean]

See the info I just left you below.  You can check on it now by logging into the SBTPG website, or by using their automated line.

[mesquitebean · Accepted solution]

If you put the wrong account number, the first deposit from the IRS to the intermediary bank will still occur since that uses different routing and account numbers.   After subtracting the fees, when the intermediary bank tries to deposit it into your account, it should fail.  Then the funds would go back to SBTPG's intermediary bank, who will issue you a check in the mail less a $20 service fee for the bounce.    See my full answer below on how to check on it at the intermediary company's website, and how to contact them if necessary.

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If you chose to pay your TurboTax fees out of your Federal refund, your funds will first go from the IRS to a temporary account at an intermediary bank--either Civista Bank of Sandusky, Ohio, or Green Dot Bank.  At the intermediary bank the fees are subtracted, then the rest of your funds are sent on to your bank (or prepaid debit card) in a second deposit.  The company that handles that is SBTPG (Santa Barbara Tax Products Group.)

Less commonly there can be delays at the intermediary bank, and additional ID info, etc. might be required.

If for any reason the second deposit fails (the one that is actually to your bank or card), it will bounce back to SBTPG's bank who will issue you a paper check in the mail.

Once the IRS has released your funds, you can log in to your temporary account at SBTPG to see the status of your funds.

To log in, choose the taxpayer portal at:
https://www.sbtpg.com/

SBTPG has a phone contact page at the following link. It also shows their business hours.  Even when they are closed, you may be able to get 24-hour automated info, or you can log in as above.

https://help.sbtpg.com/hc/en-us/articles/230084587-Contact-Information

[jamesroot19]

Thank you EPO39B!! The intermediary bank sent me a check yesterday! Thank you for your help!

[mesquitebean]

Great news!  I'm glad you were able to find out the info so you won't worry about it.   You're welcome.  Good luck.