TurboTax Filers with 2/22 DDD and Credit Karma Card - Any Updates?

I'm in the same boat! Filed with TurboTax, got the same DDD, and still waiting on my Credit Karma card. 😅 From what I've seen in previous years, Credit Karma sometimes takes an extra 1-3 business days compared to traditional banks. The good news is that almost everyone I know who had this issue eventually got their money - it just took a bit longer than expected. Have you tried checking your account throughout the day? Sometimes they do batch deposits at weird hours.

Did you get an email notification from Credit Karma that your deposit was pending? I'm curious because I'm in a similar situation but with a different bank. My husband and I filed jointly through TurboTax with a DDD of 2/24, but we're still waiting. I wonder if there's a pattern with certain banks or cards?

I went through this EXACT situation last year with TurboTax and Credit Karma. After waiting a full week past my DDD with no deposit, I tried calling the IRS regular number for THREE DAYS with no luck. Finally used Claimyr (https://youtu.be/_kiP6q8DX5c) and got through to an agent in about 15 minutes. Turns out there was a routing number issue that needed to be fixed. The agent was able to update my information and I got my refund within 48 hours. Sometimes you need to speak directly with someone to resolve these deposit issues, and Claimyr saved me from endless redial hell.

FYI for everyone - there's a known delay w/ Credit Karma cards this tax season. Several ppl in another thread confirmed they got their $ exactly 5 biz days after DDD. TurboTax & CK aren't technically the same company anymore (Intuit sold CK to Cash App) so there might be some backend issues. Def wait the full 5 biz days before panicking. If nothing by then, check ur transcript for any code 846 (refund issued) and the date next to it.

Is anyone else wondering why the IRS can't just give us a REAL direct deposit date instead of this guessing game? Why say 2/22 if they know darn well it's going to take longer for certain banks and cards? And why does Credit Karma take longer than traditional banks when it's all electronic transfers anyway? Seems like there's some technical issues they're not being transparent about. I've been watching several Credit Karma forums and there are hundreds of people with the same issue from what I can see.

According to IRS Publication 2043, section 4.2, the IRS allows financial institutions up to 5 business days to process direct deposits after the official DDD. While many banks process these immediately, some institutions like Credit Karma may utilize the full processing window allowed by regulations. I'm also waiting for my refund (DDD 2/24) and am hesitant to believe this is just a simple delay. Has anyone actually confirmed with Credit Karma that they can see pending deposits in their system?

I think there might be some confusion about how the Credit Karma Money accounts work with tax refunds. From what I understand, they *might* process a bit differently than traditional banks, especially if you paid your TurboTax fees upfront rather than having them deducted from your refund. It seems like the upfront payment method sometimes follows a different processing path, although I'm not entirely sure why that would be the case.

I had this exact situation last year, so let me walk you through what happened with me: 1. Filed with TurboTax and selected Credit Karma card 2. Got a DDD of 2/18/23 3. No deposit on that date 4. Called Credit Karma on day 3 - they confirmed they could see it pending 5. Money appeared on day 4 at around 3am The Credit Karma rep explained that they process tax refunds in batches, and while they receive the funds from the IRS on the DDD, they have an internal verification process that takes 2-4 business days. It's frustrating but completely normal. I appreciate everyone sharing their experiences here - it definitely helps reduce the anxiety of waiting!