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After you file
This happened to me. Credit Karma says "I don't see any deposits to your account" I asked how anything can be deposited into a closed account and they say "maybe we will send it to you in a check" the next time I called it was "maybe we will transfer it to your save account" the next time was "maybe it goes to your external bank account" I said NO the IRS shows that you didn't reject the deposit, it was received into the account that shows closed on my end but on your end is obviously still opened. "oh it takes up to 21 days to receive the deposit from the IRS" I again told them no, that it doesn't take 21 days for an ach transaction to go through once it is initiated from the IRS. They told me I had to call IRS and get a trace id number. IRS said no, we are going to file against them and make them return the money. At this point I don't think I'll ever get my return because Credit Karma is clearly stealing money from so many people. IRS told me it could take up to 6 weeks for them to hear back from Credit Karma. With Turbo Tax making Credit Karma a main factor in tax returns, this is a major issue.