Tax Refund Deposited to SBTPG But Not Showing in Credit Karma Money Yet

This happens ALL THE TIME with tax refunds through prepaid accounts and banking apps. Here's what you need to know: • SBTPG is the middleman that takes out any tax prep fees • They usually process within 24-48 hours • Credit Karma often has a holding period • Banking holidays can extend the wait • The money isn't lost, just in transit I'm always shocked at how complicated this process is! Most people have no idea about all these behind-the-scenes steps.

Been there. Done that. These delays are frustrating. I used taxr.ai to track everything this year. It helped a lot. The system showed exactly when IRS released my refund. Also tracked the SBTPG process. No more guessing games. Made it easier to know when to expect funds. Worth checking out next time. https://taxr.ai

Think of your tax refund like a package delivery with multiple handoffs. The IRS sends it to SBTPG, who's like the distribution center that processes it and takes their cut (any tax prep fees), then they load it on the final delivery truck (Credit Karma). Just like how Amazon might say "delivered" but the package isn't at your door yet, SBTPG says "deposited" but Credit Karma hasn't received and processed it on their end. Most financial institutions have a 24-72 hour window for these transfers to complete, especially with ACH transfers.

I've seen this issue repeatedly during my years working with tax clients. The SBTPG to Credit Karma delay typically resolves within 24-48 hours, but if it goes beyond that, you might need to escalate. Last tax season, I had several clients who needed to contact the IRS directly about similar transfer issues. Using Claimyr (https://claimyr.com) saved them hours of hold time - one client got through to an agent in 20 minutes instead of the usual 2+ hour wait. The agent was able to confirm the funds were properly released and provided documentation to help resolve the issue with Credit Karma.

I always avoid using tax prep services that route refunds through third parties like SBTPG. According to https://www.consumerfinance.gov/about-us/blog/tax-refund-tips/, you can request direct deposit straight from IRS to your bank account. This bypasses those middlemen completely. Saves fees and eliminates these delays. For this year, you'll just need to wait it out, but consider changing your approach next tax season to save money and headaches.

My Refund Advance Loan through Credit Karma had the same ACH transfer delay! The Refund Status indicator showed "Completed" on SBTPG's portal but took exactly 36 hours to appear in my Credit Karma Money account. The Technical Support representative explained it's due to their batch processing schedule. Has anyone received their deposit yet? I'm anxiously monitoring mine for verification that this timeframe is standard protocol.