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"Five days early" did not mean you get your refund in five days. If you expected your refund in five days after e-filing, you misunderstood.
"5 days early" means you are supposed to receive your federal refund from one to five days sooner than the refund date shown on the IRS refund site. If it does not meet that "at least one day sooner" date, they are supposed to refund the $35 fee.
You have to pay attention to the date on the IRS refund site.
You need your filing status, your Social Security number and the exact amount (line 35a of your 2025 Form 1040) of your federal refund to track your Federal refund:
The "up to 5 days early" offer means it can come anywhere between 1 and 5 days early. Or it may fail, in which case you won't be charged according to TurboTax. Some banks do not participate in same-day ACH deposits.
If your refund doesn't come at least 1 day earlier than it would have come if it had come directly from the IRS, then TurboTax says they will not charge the $35. The clock would start ticking when the IRS has approved and is ready to release your funds as @ xmasbaby0 mentioned above. So watch the IRS refund tracker tool. If yours does not arrive at least 1 day early, then you "should" likely be notified by TurboTax. So if yours does not come at least 1 day early, watch for any emails with info about your $35.
Read more details here:
FAQ: "Up to 5 days early" offer
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