I just called Credit Karma support and here is what they said
1. You need to deposit the tax return in your credit Karma spend account
2. You need to have set up direct deposit into the account for before June xth (forgot the day, let's just say before June to be safe)
So in other words, they want to become our main bank app and they are tricking us into it by making it look like a simple tax return deal. I am mad, but technically it's still a deal that benefits some and has no costs to me other than time and confusion so I guess it's not a big deal.
