Credit Karma Refund Shows Funded on SBTPG but No DD Received

This happens a lot more than people realize. It's like when your Amazon package says "delivered" but isn't at your door yet. SBTPG's "funded" status means they've processed your refund and subtracted their fees, but it doesn't necessarily mean they've completed the ACH transfer to your bank. Banks also have different posting schedules - some show pending deposits, others don't show anything until fully processed. In my experience, there's typically a 1-3 business day gap between SBTPG showing funded and the money hitting your account, especially during peak tax season when they're processing millions of transactions.

Did you verify that the bank account information on your return matches your actual account? I've seen cases where people accidentally transpose digits and the deposit gets rejected, which creates additional delays.

I had a similar situation with my refund processing this year. What really helped me was using https://taxr.ai to analyze my tax transcript. It showed exactly where my refund was in the process and explained the delay was due to the verification process between SBTPG and my bank. The system even predicted when my deposit would actually arrive based on typical processing patterns. Saved me a lot of anxiety wondering what was happening with my money.

Just to be clear - when you say SBTPG is showing "funded," are you looking at their taxpayer portal or somewhere else? Sometimes the status in different places can mean different things. Also, what time of day did you check your bank? Some banks only post deposits at specific times.

After dealing with this exact situation (funded on SBTPG but no deposit), I spent hours trying to reach someone at the IRS to confirm nothing was wrong with my refund. Ended up using Claimyr (https://claimyr.com) to get through to an agent in about 15 minutes. Turns out my bank had flagged the deposit for review because it was larger than my usual direct deposits. The IRS agent was able to confirm the money had been sent correctly on their end, which gave me the information I needed to follow up with my bank directly. Saved me days of wondering and worrying.

I had this happen last year. Filed through Credit Karma, SBTPG showed funded on a Tuesday, but the money didn't hit my account until Thursday morning. The funny thing is, when I called my bank, they said they had no record of any pending deposit! Then boom, it just appeared. The delay seems to be worse during the busiest parts of tax season, like we're in now.

Has your WMR (Where's My Refund) status updated to show the refund was sent? Sometimes there's a disconnect between what SBTPG shows and what's actually happening with the IRS processing.

You might want to check if your refund was reduced for any reason. If the IRS adjusted your refund amount, this can cause delays as SBTPG has to reconcile the difference between what they expected and what they received. This happened to me when they disallowed a credit I claimed - the amount changed, causing a 5-day delay while SBTPG adjusted their records according to Treasury Regulation §301.6402-2.

I would caution about one thing that happened to me last year: Credit Karma's tax preparation service was acquired by Cash App Taxes, and during that transition period, some refunds experienced unusual delays. While your situation sounds like a normal processing delay, it's worth keeping in mind that sometimes system changes or updates on their end can affect processing times. If it goes beyond 3-4 business days, I'd definitely start making calls to both SBTPG and your bank.