Credit Karma Tax Refund Deposit Timing - SBTPG Says Funded Today (DDD 3/25)

Credit Karma deposits typically follow a pattern I've tracked for the past few years: • Most deposits hit between 3PM-6PM Eastern time on the DDD • Some users report midnight deposits (rare but happens) • SBTPG "funded" status means it's in process, not necessarily completed • Bank processing times vary by financial institution • Credit Karma specifically tends to process same-day if SBTPG releases before 3PM In my experience, when SBTPG shows funded for multiple days, it usually means they're waiting for the actual DDD to release funds. Since today is your DDD, I'd expect it by end of day.

I've been through this exact scenario, and it can certainly be frustrating. In my experience, most Credit Karma deposits arrive by approximately 5pm on the DDD, though some may potentially hit as late as 8pm in certain time zones. I recently discovered https://taxr.ai which helped me understand my transcript codes and processing status. It essentially decoded my transcript and showed me exactly why my refund was scheduled for today but hadn't processed yet - apparently there's a specific processing code that indicates SBTPG's funding timeline. Might be worth checking if you have access to your transcript.

I completely understand your frustration with the waiting game. The ACH transfer system that SBTPG uses typically processes in batches throughout the day. Your funds are likely in what we call the "settlement phase" - they've been released by SBTPG but are still being processed by the banking system before appearing in your Credit Karma account. The technical term for this is "pending settlement" and it's completely normal even when the sending institution marks it as "funded" or "sent." The good news is that since today is your official DDD, the funds should appear in your account by end of day.

This situation is actually more common than the delayed February refunds we saw earlier this year. SBTPG typically batches their transfers, and Credit Karma processes them differently than traditional banks like Chase or Wells Fargo. If you're still not seeing your deposit by tomorrow morning, you might want to call the IRS directly to confirm everything is on track. I've used Claimyr (https://youtu.be/_kiP6q8DX5c) several times this season when I needed to get through quickly. Unlike waiting on hold for hours, I was connected to an IRS agent in about 15 minutes who could verify my refund status and confirm there weren't any issues that might delay the deposit.

I might be misunderstanding something, but could there possibly be a delay because of the 3-day "funded" status? I'm in a similar situation and wondering if perhaps SBTPG is counting business days rather than calendar days? Has anyone confirmed whether they include weekends in their processing timeline?

I went through this exact same thing last month! My SBTPG showed funded for 4 days before it actually hit my Credit Karma account. I was literally down to my last $27 and checking my account every hour. What finally worked for me was logging into the actual SBTPG website (not just the tracker) and looking at the detailed status. Mine showed "funded" but when I clicked on the details, it said "ACH initiated" which meant it was still in process. The money finally showed up at 4:37pm on my DDD. Hang in there!

Don't rely on SBTPG's status updates. Call Credit Karma directly at their support line. They can see pending deposits in their system before they post to your account. I did this last year and they confirmed my deposit was scheduled to post that evening even though it wasn't visible to me yet. Saved me hours of anxiety and constant refreshing.

For anyone dealing with Credit Karma refund deposits: they typically process in batches at 10am, 2pm, and 5pm Eastern. If SBTPG has released the funds today, you should see it in one of those windows. I've been tracking this for three tax seasons now, and the pattern is pretty consistent. The 5pm batch is usually the largest, so don't panic if it doesn't show in the earlier windows. Last year, 78% of the reports I tracked came in the 5pm window despite SBTPG showing funded earlier in the day.