A reward goes through many phases. It first accumulates, as shown on your Progress Card.
Then, once a quarter is over, your reward enters an Awaiting Distribution Phase. You can watch your past rewards go from this pending stage to the distributed phase by looking under your current quarter's progress bar at the "Past Rewards" section. Here, any pending rewards will have a gray clock symbol next to them. This indicates that our Operations Team here at Peak is reviewing and approving your quarterly rewards.
Once approved, the reward enters the Distributed Phase and will be deposited in your Unallocated Savings. You can double check that it is distributed by looking at the "Past Rewards" section and looking for a green check mark next to your reward, showing it as completed.