Credit Karma Card refund deposits tend to be much more reliable than traditional banks in my experience. When I compare to my husband who uses Wells Fargo, I typically get my refund 2-3 days earlier. The IRS sends the ACH files in batches, and Credit Karma processes them as soon as they receive the notification rather than holding until the official date like many traditional banks do. This is especially true compared to tax prep debit cards like H&R Block's Emerald Card, which were notoriously slow in previous years.

I'm not entirely sure about this, but you might want to consider checking your Credit Karma Card settings to make sure you have notifications enabled for deposits. Sometimes the money arrives but the app doesn't alert you properly. Also, it might be worth logging into the actual website rather than just using the app, as I've noticed the website sometimes updates balance information more quickly than the mobile version does.

The IRS Automated Clearing House (ACH) protocol initiates transfers in designated batches throughout the day. For Direct Deposit Dates falling on Fridays (like your 2/24), the Treasury Financial Management Service (FMS) typically initiates most transfers during the Thursday afternoon processing window. Chime's Early Access feature then processes these pending ACH transfers immediately upon receipt of the payment instruction rather than waiting for final settlement. This results in what they market as "getting paid up to 2 days early" but is technically just making funds available upon ACH notification rather than settlement. You should see the deposit by approximately 10:00pm tonight based on standard processing windows.

I'm literally in the same boat with Chime and a 2/24 DDD! I've been refreshing my app every 20 minutes all day! 😅 So frustrating when you're counting on that money! From what I've read, Chime deposits can hit anytime between 3pm-10pm the day before your DDD, but sometimes they don't show up until the actual date. Don't stress too much if it doesn't hit tonight - it will definitely be there by tomorrow!

This happened to me. Fixed it last week. Called SBTPG directly. Explained the situation. They reviewed my account. Found the double charge. Issued a refund. Took three days to process. Check your bank statement. Look for the second deposit. It might be coming soon. Worth the effort to call.

I experienced this exact SBTPG double-fee scenario during the 2023 tax season. The Refund Transfer Agreement technically permits them to assess the transaction fee on each disbursement, though most preparers don't adequately explain this. When I contacted my preparer, they initially claimed this was standard protocol, but after I referenced Section 3.2 of the SBTPG Terms & Conditions regarding duplicate transaction fees, they escalated to a supervisor who processed a refund of the secondary fee.

My time capsule would definitely include: "Check for tax transcript discrepancies exactly 14 days after filing." I've now had 3 years in a row where my AGI from the previous year didn't match what the IRS had on file, causing my return to be rejected. I spent precisely 7.5 hours on the phone resolving it this year. Also, save PDFs of your filed returns for at least 7 years - I needed my 2018 return this year and would have been in trouble if I hadn't kept it. The IRS only provides free transcripts for the past 3 years, and anything older costs $43 per request.

This community wisdom is exactly what taxpayers need! According to IRC §6511, you generally have 3 years from the filing date to claim refunds, so your time capsule should remind you to review prior years for missed credits or deductions. I'd add: remember that you can request filing extensions, but payment deadlines remain unchanged per Reg §1.6081-4. A surprising number of taxpayers incur unnecessary penalties by misunderstanding this distinction.

I'm in the same boat and it feels like being stuck in tax limbo! It's like SBTG and TurboTax are playing hot potato with our money while we're left in the dark. I've been refreshing like crazy for days. Has anyone actually gotten their refund after seeing this message? I'm starting to think my money is like a ghost in their system - everyone talks about it but no one can actually see it.

According to IRS Publication 1345 (Guide for Authorized IRS e-file Providers), when you choose to have your preparation fees taken from your refund, your money must pass through a third-party bank like SBTG. This creates a temporary account that receives your refund, deducts fees, then forwards the remainder to you. This can add 1-5 business days to your wait time beyond your official DDD. The 'account not found' error is frustrating but surprisingly common - I never realized how complicated this process was until I started researching it!