After you file

So does Credit Karma not do RTP or same day Ach? And if so, why are y’all allowing the use of a bank for your advance customers that further delays their receipt of their refund? Or is it SBTG delaying? I checked the SBTG tonight for information on where my refund is and it shows funded… and sent to credit karma.. but my refund is not deposited. So who isn’t using RTP?