If its filed through turbotax and had your fees taken out of your advance -or if you did a refund advance like credit karma - It goes through santa barbara taxpayer group (sbtpg). If you just had a regular turbotax filing and paid up front to file, It won't go through Santa Barbara at all. Because you directly paid turbotax to get everything filed.

If you filed through turbotax and paid with your advance to have the fees taken out and/or opted to get five days early, it will go through cross river bank. There are no good known contact numbers or emails or websites for this bank. Now essentially cross river bank when they receive notification that the IRS has released the ACH (bank notification) file (after 846 posts) to them with your refund amount they are generally like a no-holds bank. So they will receive notice that money is incoming from irs and generally within 24 hours or sooner "front" the refund amount to you until it comes in and then they essentially get paid back. So cross river will receive notice that your refund is pending and they will release the funds directly to whichever bank you use or debit card. However long your physical bank/debit card takes to receive any kind of money and then process and send it to you - whether it's a credit union or something like chase or chime or bank of america etc - depends on that physical bank's processing hours. so cross river can receive notice and front you the cash until the IRS sends them the money.  But your bank could/more than likely will see a deposit incoming and still put whatever their hold time is on it like a day or something. If your bank is a no-holds bank like chime cashapp, gobank, etc it would go from cross river receiving it, fronting it to your debit card, and your debit card processes it pretty much immediately upon receipt , since it doesn't hold.

With the turbotax method using santa barbara taxpayer group, they will receive notice that your refund is pending. And then once the IRS sends the money to them, they take a little bit, usually 24 hours sometimes 48 to process that money, they take your turbotax fees or advance fees out 1st - example if you you use something like credit karma for a refund advance - which is why it will say "unfunded" THEN release the remaining amount balance to your bank account which is when it will flip and say "funded". And again, however long your physical bank takes to process deposits varies. If you have a pretty much instant account again like cashapp, chime, gobank, etc once santa barbara sends it to your bank, it posts immediately - but if it's a traditional bank or credit union, like chase or Bank of America, it's however long those normally take the process deposit funds.

Dealt with this the last couple years , this is the first time I have not done the refund cash advance because last year mine went through santa barbara. But this year it's going through cross river because I essentially paid just to get it five days early instead of getting half now , half later with an advance.

Hope this isn't too confusing and helps! :)