If the IRS Where's My Refund site gives you a date, and "5 days early" is not available, you should get your money on the IRS date, but I would not be surprised if it takes 1-3 extra business days. The problem is that SBTPG bank is getting your refund from the IRS and they have to turn around and send it to your regular bank. They claim to do it the same day, but ACH transfers can take up to 3 days depending on the sending bank, the receiving bank, and the ACH system itself.
