Your refund is sent from the IRS to the processing bank to the Credit Karma account ... so you need to track it down. Each bank can take up to 5 business days to post the deposit.
Check the IRS : https://www.irs.gov/Refunds
Check SBTPG: by logging into their website at: https://cisc.sbtpg.com/
Or you can get 24-hour automated info by phone at: https://cisc.sbtpg.com/contact.aspx
Check Credit Karma : https://www.creditkarma.com/
