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SBTPG has received my funds yesterday. Do they wait until the DDD to release? (2/24).
The other note worthy thing here is “early deposits”. Factually, their not early at all. Banks are allowing you access to the funds because they received pre-note verification the funds are coming. Typically banks only do this for recurring payroll and/or governmental deposits. In other words, they need to come from trusted sources.
@Mack
Loans and fee deductions are not that same thing. Fees cannot be deducted from it before the DDD, period. SBTPG and agencies are essentially endorsees of the deposit, it literally works the same way as a paper check, it is not valid until the date printed on the check.
Loans like you describe are referred to anticipations loans. Someone is literally loaning you their money until yours is received.
@the guru
Them holding it has nothing to do with being legally allowed because of fees being taken out, if that was the case, Intuit wouldn’t offer a refund loan. It has everything to do with the fact that they’re legally allowed to hold it until that date, and they profit from all of the interest collected
I have chime SBPTG was funded since the 14th and I got it on the exact ddd 2/20. At around 2;30 am ish. I was nervous because I never have my fees taken out and I’ve read all these horrible stories but thankfully I got it the day of with no issues. And I also never got a trace number either.
SBTPG will hold your funds until the actual DDD to release them to your bank. I was too impatient last year for that so I opted to pay fees upfront this year.
@ the guru, I’m in MN, so that would be in between 11:00-4:00?.
This year my DDD was 2/20. With Chime. SBTPG held my refund which had been funded since FRIDAY until 5am this morning. It usually came years past the day before. Not this time. So be prepared for it to come in on your exact date this year.
In my experience, they hold it until the day of. I usually get mine early morning between 1a-5a the day of. I’m hoping it drops this weekend though.
What about if you have like Chime,?
Typically, SBTPG will hold on to the funds until your direct deposit date. Since they are removing fees, they legally are not allowed to do so until the direct deposit date.
My personal experience has always been that between 11am and 5pm EST of your DDD seems to be the sweet spots to receive money from SBTPG.
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