5 day early return with credit karma

[Umkay]

I checked the where's my refund tool it says my deposit date is Feb 24. I have credit karma so I went with 5 days early option. It is the 21st and I don't have my refund and credit karma says no pending deposits and that I should reach out to turbo tax. Due to turbo tax still showing wrong information on the credit karma tracker since its updated by turbo tax. There was no issues with my taxes the amount never changed I use a bank turbo tax partners with so confused on how I don't have it yet. 

[user17717999276]

I as well am having this issue , where my state return I already received within like 10 days of filling but my federal tax return on the turbo tax app also says est , 02-20-26 and I am still yet to receive my federal tax return and not to sure why , it says it was already submitted 01/30/26 and accepted just waiting on it as well , and I also went with the Credit Karma 5 days early option so what is going on ? please someone .

[CatinaT1]

Once your return is filed, TurboTax has no control over the processing or the timing when the IRS releases your refund. 

The IRS Where's My Refund site will not take into account the 5 days early, but if you signed up for the 5 Day Early product, you should receive your refund deposited 5 days prior to the date indicated by the IRS, assuming all conditions are met.

For more information click on the link below

5 Days Early Option

If you don't get your deposit 5 days early, there is a few reasons why that might happen.

• Your refund was offset or differed from their estimated refund amount, bringing the refund amount below the minimum threshold or above the maximum. What is a refund offset?
• Your bank wouldn't accept RTP (Real Time Payments) or Same Day ACH deposits, preventing Intuit from depositing your refund 5 days ahead of when the IRS would have deposited your refund.
• The IRS didn't give Intuit 5 or more days of notice in advance. This stopped Intuit from meeting the 5 days early expectations.

If TurboTax is unable to deliver the refund 5 days early, your order will be canceled and you won't be charged the 5-Day Early fee. You will receive a follow-up email with a refund and timing update, and if any cancellation is applicable.