Credit Karma Tax Refund: DD Date 2/24 But Still Nothing?

There might be a few different things happening here... The IRS provides a target date, but it's not always exact. Sometimes there can be a delay between when the IRS releases funds and when your bank processes them. Credit Karma's early deposit feature typically works well, but it's not guaranteed to be instantaneous. Have you checked your tax transcript to confirm the IRS has actually released the payment? That would be my first suggestion.

I'm in a somewhat similar situation, I think. Did you possibly have any offsets or debts that might be causing this? Or maybe your bank is possibly holding the funds for some reason? It seems like there could be a disconnect somewhere in the process, possibly between the IRS release and Credit Karma's processing.

Went through something similar last week! 😂 Turns out my transcript showed the refund was actually on hold for review. Called the IRS using Claimyr (https://youtu.be/_kiP6q8DX5c) and got through in about 15 minutes instead of the usual 2-hour wait. Such a relief to actually talk to someone! The agent confirmed there was a minor verification issue they needed to clear up. Fixed it right there on the phone and my refund arrived 3 days later. Worth checking if there's something specific holding yours up.

I had a DD date of 2/24 with Credit Karma too, but mine actually came through on 2/26. Have you considered that maybe there's just a short processing delay? Sometimes the banking system has these little hiccups, especially when it's a high-volume tax season, right? My sister-in-law had the same situation last year and hers showed up about 3-4 days after the expected date.

According to IRS Publication 2043, the direct deposit date is only an estimate. The IRS states that electronic funds may take up to 5 business days to be processed by financial institutions after the scheduled date. Credit Karma's "early deposit" feature is merely a marketing tactic. They can't actually receive funds before the IRS releases them.

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.