That's not it. Credit Karma Uses Plaid. In order for you to link CK and your personal bank together you must give Plaid your Username and the Password for that Bank plus give them permission to mine all the information they find in all accounts associated with that username and password. The only way for me to get my tax refund is to close the CK account and have them mail me a check. That's been "in process" for a month with no action so far
