Turbotax and Credit Karma

Handle your refund like a pro

Enjoy year-round perks and earlier cash with TurboTax and a Credit Karma MoneyTM checking account1.

Start your taxes

Make the most of your refund with Credit Karma Money

  • Get your refund up to 5 days early2

  • Use Refund Tracker to confirm your federal tax return payment status

  • Free to open with no minimum balance requirements3

  • Low credit score? You could build credit while saving with Credit Builder4

  • Free withdrawals at over 55,000 Allpoint® ATMs worldwide5

  • Get paid up to two days early when you set up direct deposit6

  • Access your virtual debit card instantly and add it to your mobile wallet

  • Lock your debit card and dispute transactions right in the Credit Karma app



Get your finances on track with TurboTax and Credit Karma Money

With Credit Karma now part of the TurboTax family, you can get your refund up to 5 days early and put cash back in your pocket. Take charge of your finances and start building credit, saving for a rainy day, and planning for the future with the help of Credit Karma Money.

How to get your refund up to 5 days early

Countdown graphic. Ascending numbers 1 through 3 in white bubbles.

File your taxes with TurboTax
Finish filing your taxes and choose to deposit your refund into a checking account6 with Credit Karma Money.

Sign up for Credit Karma
Open a checking account with Credit Karma Money from within TurboTax.

Start spending with your virtual card or mobile wallet
You’ll have all the benefits of Credit Karma Money and could access your refund up to 5 days early.

Your refund is waiting

Start your taxes

See what our customers are saying

  • Customer review 5 out of 5

    So easy

    "Easiest tax prep, practically does the work for you. The link to Credit Karma for the deposit makes it so easy and fast for my return.”

    Jocelyn71877, South Carolina
    2022 TurboTax Free Edition
  • Customer review 5 out of 5

    TurboTax is Awesome!

    "It was so easy to complete and the transfer to Credit Karma made it super simple to receive funds quickly!”

    Goodpasters, Oregon
    2022 TurboTax Free Edition
  • Customer review 5 out of 5

    Love the Credit Karma refund option!

    "We love the TurboTax software -- very user friendly! loved the add on option to have your return sent to Credit Karma Money!

    TxTornado91, Texas
    2022 TurboTax Deluxe

1 Banking services provided by MVB Bank, Inc., Member FDIC. Maximum balance and transfer limits apply.

2 If you choose to pay your tax preparation fee with TurboTax using your federal tax refund or if you choose to take the Refund Advance loan, you will not be eligible to receive your refund up to 5 days early. 5 day early program may change or discontinue at any time. Up to 5 days early access to your federal tax refund is compared to standard tax refund electronic deposit and is dependent on and subject to IRS submitting refund information to the bank before release date. IRS may not submit refund information early.

3 Third-party fees may apply. Please see Credit Karma Money Spend Account Terms & Disclosures for more information.

4 Credit Builder plan requires you to open a no-fee line of credit and a no-fee savings account, both provided by Cross River Bank, Member FDIC. Credit Builder is serviced by Credit Karma Credit Builder. You’re eligible to apply for Credit Builder if your TransUnion credit score is 619 or below at the time of application. A connected paycheck or Qualifying Direct Deposit (“QDD”) is required for activation. For QDD, must be received in the current month or prior month before application, or 90 days after application submission. Members with a credit score of 619 or under may see an increase in 4 days of activating the plan. Late payments and other factors can have a negative impact on your score, including activity with your other credit accounts. For QDD: A Qualifying Direct Deposit (“QDD”) is a single deposit into your Credit Karma Money Spend Account that is initiated from outside of the Credit Karma Money Platform. Transactions that are not QDD include: Promotional deposits into your Spend account made by Credit Karma; transfers from your Save account; or transfers initiated from the Credit Karma Money platform.

5 Fees may apply for ATM transactions outside this network.

6 Early access to paycheck is compared to standard payroll electronic deposit and is dependent on and subject to payor submitting payroll information to the bank before release date. Payor may not submit paycheck early.

For debit card: Credit Karma Visa® Debit Card issued by MVB Bank, Inc., Member FDIC, pursuant to a license from Visa U.S.A. Inc. Visa terms and conditions apply.