Bank processing times vary. Credit Karma isn't at fault here. The IRS releases funds on schedule. Financial institutions process them differently. Some are faster than others. Credit Karma's early deposit feature works when possible. Not a guarantee. Just a potential benefit.

Here's what might be happening with your refund: 1. The IRS has approved your refund and set 2/24 as the release date 2. The Treasury Financial Management Service actually issues the payment 3. The payment goes through the Automated Clearing House (ACH) network 4. Credit Karma receives the payment notification 5. Credit Karma processes it into your account Each step can take 24-48 hours, especially during peak tax season. Your refund is likely just moving through this pipeline and should appear soon.

I got mine! Filed through Credit Karma/TurboTax on January 31st with DDD of 2/21 and it hit my account exactly on that date. Did you pay for the filing service using your refund? Did you opt for any advances? I'm wondering if there might be something specific about your filing that's causing the delay?

Success story here! Filed through Credit Karma on Feb 1, had a DDD of 2/24 (same as you), and it actually showed up early on 2/23! According to https://www.irs.gov/refunds, deposits can take 1-5 days to process through the banking system after the IRS releases them. I was surprised to learn from the IRS Refund FAQ that even though they give a specific date, it's really more of a "release date" than a guaranteed deposit date. The banking system has its own timeline that the IRS can't control.

Check your bank account. Not WMR. Many people get deposits before WMR updates. Transcript is more accurate. PATH delays are ending now. Most refunds process within 21 days. Your 2/26 date is probably correct. IRS systems don't talk to each other well.

I filed on January 29th, 2024. Transcript updated February 14th. WMR still showed first bar on February 17th. Deposit hit my account on February 19th at 3:17am. WMR finally updated on February 21st. The PATH Act verification process creates these gaps in updating. Don't trust WMR - it's notoriously behind actual processing.

I tracked this exact process last month. From 'funded' status to money in my account took exactly 53 hours and 17 minutes. SBTPG received my $3,842 refund on Tuesday at 9:14am, and it was deposited in my bank account on Thursday at 2:31pm. The SBTPG portal never updated beyond 'funded' - it stayed that way even after I had the money. My bank showed it as pending for about 12 hours before it was available.

SBTPG is just sitting on your money making interest. They got your refund from the IRS but haven't sent it to your bank yet. When mine said funded last month, it took 3 more days to hit my account. They never update the status to tell you when they actually send it out. Just keep checking your bank account, not the SBTPG site.

I'm not convinced amending is worth it if it's truly a small amount. The IRS has a materiality threshold they don't publicly disclose. They're not going to chase down every $50 discrepancy. Cost-benefit analysis, people! The processing centers are still backed up from the pandemic era. Your amendment might sit in a pile for 6+ months. But hey, if you can't sleep at night knowing you're technically not in compliance, by all means file that 1040-X. 😴

I've been through this amendment process twice before. First time was back in 2019 when I forgot a small 1099. Second time was in 2022 with a missing W2 from a temp job. Both times I waited until after receiving my original refund, then filed the 1040-X. I'm slightly worried for you because the IRS seems to be more aggressive with matching programs lately, so I'd definitely recommend amending rather than hoping they don't notice.