Hi Rud,
Usually 1 to 2 days before a refund is scheduled to arrive, the IRS sends a pre-notification of the refund amount to TPG. The IRS does not deposit the money at this time, but it is only a notification that the refund is on its way. We set up the disbursement upon receiving that pre-notification so that the money reaches the taxpayer on the same day it would have if the money was deposited directly from the the IRS into the taxpayer’s bank account. Hope this helps!
-Betty Jo