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Credit Karma SBTPG

So if Intuit uses “RTP” and or Same day ACH to pay out, why doesn’t SBTPG use the same and or why doesn’t Credit Karma- the bank Intuit forces you to use if you’re using the Tax Advance, why doesn’t Credit Karma allow for RTP or Same day Ach? According to SBTPG, my return has been funded but the date for deposit is the 26th on SBTPG website? So obviously they are either holding off on allowing the deposit to hit immediately on Credit Karmas end by sending through old school ACH or the they are intentionally not allowing the funds to be made available earlier by posting a pay date way in the future. What is going on? If the IRS is able to send funds via FedNow for early and immediate deposit, then why does SBTPG think the IRs wants people to get their deposit almost a week later? Such a crappy situation. Either employ companies that are able to handle RTP or same day ACH to process this or explain the ridiculously long delay from the time SBTPG actually receives the funds, not the notice of intent to deposit but actually gets the funds, till when you get the deposit in your account? There is no reason there is such a substantial delay in timing!!! 

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