Turbotax and Credit Karma

Get your refund up to
5
days early1

File your taxes with TurboTax and deposit your refund into a Credit Karma Money™ checking or savings account.2

5-Day early program may change or discontinue at any time.

TurboTax customer standing in front of red backdrop

Make the most of your refund with Credit Karma Money


  • Get your tax refund up to 5 days early and track it using Refund Tracker


  • Low credit score? Members improve their score by an average of 21 points in 4 days3 with Credit Builder4


  • Get your paycheck up to 2 days early when you set up direct deposit5


  • Get your government benefits up to 5 days early with direct deposit5


  • Earn a high Annual Percentage Yield on your balance with Credit Karma Money Save


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


  • Free withdrawals at over 55,000 Allpoint® ATMs worldwide6


  • Free-to-open with no minimum balance fees7

Phone screen showing Credit Karma connection in TurboTax app

Get your finances on track with TurboTax and Credit Karma Money

Get your finances on track with TurboTax and Credit Karma Money

Countdown graphic. Ascending numbers 1 through 3 in white bubbles.
File your taxes with TurboTax
File your taxes with TurboTax and choose to deposit your refund into Credit Karma Money.
Sign up for Credit Karma
Open a checking or savings account with Credit Karma Money from within TurboTax.
Start spending with your virtual card or mobile wallet
Access your refund up to 5 days early, plus you could get your paycheck up to 2 days early when you set up direct deposit with your Credit Karma Money account.

For Credit Karma Money Spend (checking): Banking services provided by MVB Bank, Inc., Member FDIC. Maximum balance and transfer limits apply.

1 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.

2 A maximum of 6 withdrawals per monthly savings statement cycle may apply.

3 A connected paycheck or one time direct deposit(s) of at least $750 is required for activation. Your direct deposit(s) must be received in the 2 calendar months prior to application or within a calendar month 90 days after application submission to activate your plan. Credit Builder plan requires you to open a line of credit and a savings account, both provided by Cross River Bank, Member FDIC. Credit Builder is serviced by Credit Karma Credit Builder. Members with a TransUnion credit score is 619 or below at the time of application may be promoted to apply for Credit Builder. If your score increases over 619, you may no longer see these prompts.

For connect your paycheck: Credit Karma Money partners with Pinwheel to securely connect you with thousands of payroll providers.

For direct deposit: Direct deposit(s) are electronic deposits of compensation for services (such as payroll, salary, or government benefits) made into your Credit Karma Money Spend account. Person to person transfers, transfers from one account to another or from other financial institutions and Instant Transfers (including Instant Transfers for Earned Wage Access) are not considered direct deposits.

4 Members with a TransUnion credit score of 619 or below who opened a Credit Builder plan and had it reported on their TransUnion report saw an average credit score increase of 21 points 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.

5 Early access to paycheck or federal government benefits is compared to standard electronic deposit and is dependent on and subject to payor submitting payroll or benefit payment information to the bank before release date. Payor may not submit payment information early.

6 Fees may apply for ATM transactions outside this network.Third-party fees may apply. Please see Credit Karma Money Spend Account Terms & Disclosures for more information.

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

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.