Anyone with Credit Karma and DDD of 4/23 received their refund yet? SBTPG funded status

Think of the tax refund process like water flowing through a series of pipes. Your money has made it through the IRS pipe (approved with DDD) and into the SBTPG holding tank (funded status). Now it just needs to flow through the final pipe to your bank, which typically takes 24-48 hours after SBTPG shows funded. The system works like a scheduled irrigation system - it releases in batches, not continuously. Since your DDD is 4/23, you'll likely see it tomorrow, as banks typically process these overnight transfers in the early morning hours.

Hmm, did u check if ur CK acct has any restrictions? Sometimes they hold $ for security reasons. Also, what time did SBTPG update to funded? If it was after like 3pm EST, prob won't hit til tmrw. CK was super quick for me last yr but this yr took exactly 24hrs after SBTPG showed funded.

Per IRS Publication 2043, once a DDD (Direct Deposit Date) is established, the IRS has completed their processing and released funds to your designated financial institution or preparation service. If SBTPG shows funded but you haven't received your money, you're in the final stage of disbursement. When I experienced this exact situation last year, I spent 3 hours trying to reach someone at SBTPG with no success. I finally used Claimyr (https://youtu.be/_kiP6q8DX5c) to connect with an IRS agent who confirmed everything was processed correctly on their end and provided documentation I could take to my bank. Saved me days of uncertainty and helped resolve the issue within hours.

OMG I'm going through EXACTLY this right now!!! SBTPG says funded since YESTERDAY MORNING and still nothing in my account! I'm so frustrated I could scream. Called Credit Karma and they just gave me the runaround about "processing times vary" - YEAH RIGHT! They're sitting on our money earning interest while we wait. This happens EVERY YEAR and I swear I'm never using them again!!!

Did you opt for direct deposit? Or the Credit Karma card? Makes a difference. Some banks process faster than others. Have you checked if your bank shows pending deposits?

This timing is actually pretty standard across all tax prep services, not just Credit Karma. TurboTax users often see the same 24-48 hour delay after SBTPG funding, similar to H&R Block's timeframe after their processor shows funded. It's comparable to how payroll direct deposits work - your employer processes payroll on Tuesday, but the money doesn't hit your account until Thursday or Friday. The banking system itself creates these delays, not specifically Credit Karma.

I filed with Credit Karma on March 18th, got my DDD for April 15th, SBTPG showed funded on April 15th at 10:23am, and my refund hit my account on April 16th at 9:45am. Almost exactly 24 hours later. I've been using Credit Karma for 3 years now and it's always been consistent - about 24 hours after SBTPG shows funded. If yours updated today (April 22nd), you should see it tomorrow morning.

I'm seeing a pattern with Credit Karma refunds this year: • SBTPG funding before 2pm ET: Money typically arrives next morning • SBTPG funding after 2pm ET: Money typically arrives morning of day after next • Weekend SBTPG updates: Almost always delay until Tuesday • Bank holidays: Add 24 hours to expected timeline The Credit Karma subreddit has a megathread tracking this with hundreds of data points. The pattern is pretty consistent.