Refund Advance has ended

It’s true—you don't have to pay any fees for Refund Advance. As a TurboTax customer, Refund Advance is available to you at no extra cost.

We’ve worked closely with Credit Karma, LLC, MVB Bank, Inc., Member FDIC, and First Century Bank, N.A., Member FDIC to make this offer to you. This is just another benefit of filing with TurboTax!

To see our eligibility requirements, read more here.

If you’re expecting a federal refund while filing your taxes with TurboTax, you’ll have the opportunity to apply for Refund Advance at the time you choose your refund method.

After you’ve been approved for Refund Advance and open a checking account with Credit Karma Money™, you could get your Refund Advance deposited into your checking account in as little as 1 minute from IRS E-file acceptance of your return*. You can instantly access your Refund Advance with a virtual debit card and your physical Credit Karma Visa® Debit Card should arrive in 7-14 days.

*IRS accepts returns starting late-Jan. Acceptance times vary and could take up to a day. Most receive funds within 15 minutes of acceptance.

The remaining amount of your federal refund (which is your original federal amount minus the Refund Advance and any other elected TurboTax service fees) and/or state refund, if applicable, will be deposited into your checking account with Credit Karma Money™ when the IRS or state tax authorities (if applicable) distribute your refund.

When the IRS processes your federal refund, your Refund Advance loan is automatically paid back. You won’t have to do anything!

Your approved amount is based on the size of your federal refund and your tax information, along with other factors. You may not receive the maximum Refund Advance amount if one of these factors doesn’t meet the qualifying standards of the lender.

Once you’re approved for Refund Advance and your funds have been deposited in your checking account with Credit Karma Money™, you can start spending right away using your virtual card or mobile wallet where Visa® is accepted.

When your physical debit card arrives in the mail, you’ll need to activate it and can spend the money at any store Visa® is accepted.

Learn more about the benefits you get with Credit Karma Money.

Once your physical Credit Karma Visa® Debit Card arrives and is activated, you can withdraw cash at more than 55,000 fee-free ATMs nationwide.* However, there are fees for using your Credit Karma Visa® Debit Card at out-of-network ATMs. Please see Account Terms & Disclosures for more information.

*Free withdrawals available at ATMs in the Allpoint® network. Fees may apply for ATM transactions outside this network.

Unlike H&R Block, TaxAct, or Jackson Hewitt, we’ve partnered closely with Credit Karma Money. Using a Credit Karma Money™ checking account is an easy way to get your tax refund after filing with TurboTax. The Credit Karma Visa® Debit Card can be used anywhere Visa® is accepted — including online, by phone, and in stores.

Plus, with a Credit Karma Money™ checking account, you’ll have:

• No monthly fees*
• No penalties*
• No minimum balance requirements
• No ATM fees at 55,000 fee-free locations worldwide**
• Get access to your paycheck up to 2 days early with direct deposit***
• Enroll in direct deposit
• Use online bill pay
• Download the app

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

*Third-party fees may apply. Please see Account Terms & Disclosures for more information.

**Free withdrawals available at ATMs in the Allpoint® network. Fees may apply for ATM transactions outside this network.

***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.

The third-party lender is First Century Bank, N.A., Member FDIC. With your consent, we’ll share your tax return information with First Century Bank, N.A., Member FDIC and its subsidiaries via SSL-encrypted transmission. They'll review your info to see if you qualify for Refund Advance. Also, we’ll share the information that identifies you (i.e. your name, address, date of birth, SSN) with MVB Bank, Inc. when you open a checking account with Credit Karma Money™.

If you qualify, you’ll be notified by email. The remainder of your refund (minus the Refund Advance amount and any TurboTax fees) will be loaded into your checking account with Credit Karma Money™ when the IRS or state tax authorities distribute your refund (typically within 21 days from IRS acceptance).

If you don’t qualify after filing your return, you'll still receive your refund in your checking account with Credit Karma Money™.

Your entire federal and state refunds (minus any TurboTax fees) will be loaded into the account as soon as the IRS or state tax authorities distributes your refund (typically within 21 days from IRS acceptance).

You can easily add more funds into your checking account with Credit Karma Money™ and can continue to take advantage of all of its great benefits:

• No monthly fees*
• No penalties*
• No minimum balance requirement
• No ATM fees at 55,000 fee-free locations worldwide**
• Get access to your paycheck up to 2 days early with direct deposit***
• Enroll in direct deposit
• Use online bill pay
• Download the app

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

*Third-party fees may apply. Please see Account Terms & Disclosures for more information.

**Free withdrawals available at ATMs in the Allpoint® network. Fees may apply for ATM transactions outside this network.

***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.

No. Applying for Refund Advance will not affect your credit score.