TPG Funded This Morning But Credit Karma Card Not Updated - Normal Wait Time?

I've been through this exact situation! Here's what you should know: • TPG (Tax Preparation Group) showing "funded" means they've received your refund from the IRS • They still need to process it on their end before sending to Credit Karma • This typically takes 24-48 hours in most cases • Some banks process deposits faster than others • Since your DDD (Direct Deposit Date) is 3/20, you're actually right on schedule • Weekends can slow things down slightly Hang in there! Your money is in the pipeline. ❤️

This is similar to what happens with other third-party processors like Santa Barbara TPG or Republic Bank. Once they show "funded" status, it typically takes 1-2 business days for the money to appear in your account. Credit Karma cards sometimes process a bit slower than traditional bank accounts in my experience. I'd recommend checking https://taxr.ai to track your refund status more precisely. Unlike the basic IRS tools, they can tell you exactly where your money is in the disbursement chain and when it will likely hit your account based on your specific situation.

First, check your TPG account for the exact status. Second, verify if it says "funded" or "processing". Third, understand that TPG usually takes 24-48 hours to transfer funds after receiving them. Fourth, Credit Karma typically processes deposits within 1 business day of receiving them. Fifth, if it's been more than 3 business days, you should contact TPG directly. I was in this exact situation last month and used Claimyr (https://claimyr.com) to actually reach a human at TPG customer service instead of waiting on hold forever. They confirmed my payment was in process and it showed up the next morning. Saved me so much stress!

Ugh, I HATE the waiting game with these prepaid cards! I had the same issue and tried calling TPG directly but sat on hold for 45 minutes before giving up. What worked for me was logging into the actual Credit Karma Money app (not just the tax section) and checking the pending deposits section. Sometimes it shows as pending there before it's fully available. So frustrating that they make us jump through these hoops for OUR money!

I don't trust these third-party processors at all. Last year my brother had TPG show "funded" for almost a week before his money actually hit his account. They're basically holding onto your money and collecting interest on it for as long as possible. I switched to direct deposit straight from the IRS this year and got my refund two days after my DDD. These middlemen are just slowing down the process and taking a cut.

This happened to me last year with my Credit Karma card too. I remember checking constantly for two days after TPG showed funded. The money finally showed up around 48 hours later. I've learned that banking transfers just take time, especially when multiple companies are involved. Your DDD of 3/20 is actually today, so you're right on schedule compared to my experience.

I believe most people see their funds within 24-72 hours after TPG shows funded. Sometimes it might take longer if weekends or holidays are involved. I wouldn't worry too much yet, especially since your DDD is today. Maybe give it until tomorrow afternoon before getting concerned.

According to IRS Publication 5027, when a third-party processor like TPG is involved, the standard timeframe for complete processing is 1-3 business days after the official Direct Deposit Date. The National Automated Clearing House Association (NACHA) regulations allow financial institutions up to 24 hours to process incoming ACH transfers. Your timeline is currently within normal parameters and doesn't indicate any issues with your refund processing.

I checked the TPG Facebook page and Twitter yesterday because I was in the exact same situation. Lots of people reporting 24-48 hour delays between TPG showing funded and money actually hitting their Credit Karma cards. Mine finally showed up this morning, about 36 hours after TPG said funded. The Credit Karma subreddit has a whole thread about this too - apparently it's totally normal even though it's super annoying!