The IRS pays whenever they pay. They only pay to a bank account that has your name and SSN on it. To use refund processing, SBT bank opens an account in your name, receives the direct deposit, takes the fees, and sends the rest to your regular bank. This should take 1-2 extra business days. But the IRS does not change their deposit date based on whether you have a Bank of America checking account or an SBT checking account.
