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After you file
SBTPG bank is supposed to open an account in your name, receive the deposit, deduct your fees, and then send the rest of the money to your regular bank. If there are any problems (such as, your bank rejects the deposit from SBTPG, or your account number is wrong), then SBTPG will hold the refund until they verify your identity and mailing address, and then mail a check. They are supposed to notify you by email but you may need to contact them, in case the email was lost, put in a spam filter, or never sent. (The verification process is a new step this year because last year they were apparently tricked into sending some checks to the wrong people.) You may contact SBTPG, toll-free, at 1-877-908-7228 or go to their secure website www.sbtpg.com if you need more information.