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why was my credit score from the bank different that what was listed on credit karma?

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There are more variances in credit scores than you can imagine, and that is due to the different formulas used.  Credit Karma is NOT a credit bureau since the focus of this site is to TEACH people how credit works and how to improve it.  The credit scores here are based on information from Transunion and Equifax.  Your bank may have obtained information from Experian or they may base the scoring on FICO.  And few businesses report to all three credit bureaus, so each credit bureau will have a different score based on the information it has.

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Your bank most likely uses a version of FICO scores, the scores that you get here are Vantage scores.

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