Why Did I Get a Deposit from TPG Products SBTPG LLC & Civista Bank?

Did you get a deposit into your bank account from TPG PRODUCTS SBTPG LLC?

Or just TPG Products? Or some version of that?

And did the deposit come from Civista Bank? A bank that you’ve never heard of?

If so, you’re probably wondering why because the name is acronym soup and not something you expected. It has to do with your tax refund.


  • TPG stands for Tax Products Group
  • SBTPG stands for Santa Barbara Tax Products Group
  • And the LLC is just Limited Liability Company

And Civista Bank is the bank that SBTPG uses.

In most cases, the deposit you received was your tax refund minus any fees. Many companies, like TurboTax and TaxSlayer, used Santa Barbara Tax Products Group to process returns and refunds.

Table of Contents
  1. Who is Santa Barbara Tax Products Group?
  2. What is the TPG Products Deposit?
  3. Who is Civista Bank?
  4. What if there is a discrepancy?
  5. Who Uses Santa Barbara Tax Products Group?

Who is Santa Barbara Tax Products Group?

Santa Barbara Tax Products Group is a tax services company that is owned by Green Dot Company, who also runs GO2bank and other debit card products.

Santa Barbara TPG was founded in 1991 and they provide tax-related financial products like advances on tax refunds, debit cards, etc. to service providers.

They primarily market to tax professionals, like accountants, rather than directly to taxpayers.

What is the TPG Products Deposit?

If you worked with a tax preparation company, like a TurboTax or FreeTaxUSA, and you asked for something other than a deposit of your refund – chances are it went through SBTPG or a company like it.

For example, you can ask to have your tax preparation fees deducted from your tax refund. That’s a service that SBTPG provides. Your refund gets “routed” (for lack of a better term) through them so they can deduct the fee and transfer the rest to you.

With TurboTax, this is called “Pay With My Refund” but is sometimes called “Refund Processing Service.” There’s an additional fee associated with this option, on top of the tax preparation fees, so be aware of that (it was $40 in 2023, I’m unsure what the fee is for 2024).

Who is Civista Bank?

If you opted for Pay With My Refund or another similarly named service from another tax prep company, you may notice that the direct deposit information on your tax return may have been changed to Civista Bank.

If this happened to me, I’d be worried too but there’s no reason to (as long as you opted for the services).

Santa Barbara TPG works with Civista Bank. Civista Bank is an FDIC insured bank based out of Ohio with 41 domestic locations in two states. They are FDIC insured under FDIC Cert# 12982, though you don’t have an account there.

What’s happening is that your tax refund will be sent there, the fees are deducted, and then the remaining balance is sent to you.

What if there is a discrepancy?

If you use the Refund Processing Service, you get a deposit for your tax refund minus tax preparation fees and minus the Refund Processing Service fee.

If you notice a discrepancy in the deposit amount, your best option is to contact Santa Barbara TPG at 800-779-7228 or visit the TPG website for taxpayers to check on your refund transfer details.

Who Uses Santa Barbara Tax Products Group?

I don’t have an exhaustive list of the tax preparation companies that use Santa Barbara TPG. But if I had to guess, in addition to the big companies, I suspect a lot of local tax accountants use them as well.

It’s an easy way for them to offer the same refund services so they can compete with the larger firms.

From what I can tell, most of the nationwide tax preparation services use them too – including TurboTax, TaxSlayer, Jackson Hewitt, eTax, and TaxAct.

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About Jim Wang

Jim Wang is a forty-something father of four who is a frequent contributor to Forbes and Vanguard's Blog. He has also been fortunate to have appeared in the New York Times, Baltimore Sun, Entrepreneur, and Marketplace Money.

Jim has a B.S. in Computer Science and Economics from Carnegie Mellon University, an M.S. in Information Technology - Software Engineering from Carnegie Mellon University, as well as a Masters in Business Administration from Johns Hopkins University. His approach to personal finance is that of an engineer, breaking down complex subjects into bite-sized easily understood concepts that you can use in your daily life.

One of his favorite tools (here's my treasure chest of tools,, everything I use) is Personal Capital, which enables him to manage his finances in just 15-minutes each month. They also offer financial planning, such as a Retirement Planning Tool that can tell you if you're on track to retire when you want. It's free.

He is also diversifying his investment portfolio by adding a little bit of real estate. But not rental homes, because he doesn't want a second job, it's diversified small investments in a few commercial properties and farms in Illinois, Louisiana, and California through AcreTrader.

Recently, he's invested in a few pieces of art on Masterworks too.

>> Read more articles by Jim

Opinions expressed here are the author's alone, not those of any bank or financial institution. This content has not been reviewed, approved or otherwise endorsed by any of these entities.

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