Maximize your refund with Credit Karma Money

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

³ 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.

⁴ One Qualifying Direct Deposit of $200 or more into your Spend or Save account every 35 days to be eligible. Coverage limits range from $20 to $200. No fee to use. Discontinue any time. Overdraft Coverage is discretionary, we may, but are not required to, pay your ACH, debit card and ATM transactions that would have declined due to insufficient funds. Your next deposit will be automatically applied to any negative balance. If your Credit Karma Money Spend account has a negative balance for 60 calendar days or more, it may be closed. Overdraft Coverage does not apply to internal or external transfers. Use responsibly.

⁵ Credit Builder plan requires you to open a line of credit and a Credit Builder savings account, both banking services provided by Cross River Bank, Member FDIC. Credit Builder savings account is a deposit product, insured up to $250,000. Credit Builder is serviced by Credit Karma Credit Builder. Members with a TransUnion credit score of 619 or below at the time of application may be prompted to ap ply for Credit Builder. If your score increases over 619, you may no longer see these prompts. Not available for MA residents.

⁶ From June 2024 to November 2024, 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 17 points in 3 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.

⁷ A maximum of 6 withdrawals per monthly savings statement cycle may apply.

⁸ Source: FDIC's national average savings rate as listed at https://www.fdic.gov/resources/bankers/national-rates.

⁹ Credit Karma is not a bank. Through our bank partners, the balance in your savings account may be moved to one or more network banks, as listed here, where it is eligible for FDIC insurance up to $5,000,000 once the funds arrive at network banks. Actual insured amounts may be lower or adversely affected based on any balances you hold in other accounts at other network banks, as each network bank provides up to $250,000 of FDIC insurance coverage per qualified account ownership category. Learn more at: https://www.fdic.gov/deposit/deposits

¹⁰ Free withdrawals available at select ATMs in the Allpoint® network. We charge a $2.50 fee for each ATM withdrawal outside this network. This fee is waived with one Qualified Direct Deposit of $200 or more into your Spend account every 35 days. Other third party fees may apply for ATM transactions outside this network.

* Up to 5 Days Early to Your Bank Account: Personal taxes only. Your federal tax refund will be deposited to your selected bank account up to 5 days before the refund settlement date provided by the IRS (the date your refund would have arrived if sent from the IRS directly). The receipt of your refund 5 Days Early is subject to IRS submitting refund information to us at least 5 days before the refund settlement date. IRS does not always provide refund settlement information early. You will not be eligible to receive your refund up to 5 Days Early if (1) you take a Refund Advance loan, (2) IRS delays payment of your refund, or (3) your bank's policies do not allow for same-day payment processing. Up to 5 Days Early fee will be deducted directly from your refund prior to being deposited to your bank account. If your refund cannot be delivered at least 1 day early, you will not be charged the Up to 5 Days Early fee. Up to 5 Days Early program may change or be discontinued at any time.