My tax refund says I’ll receive it on 9/9/23 but I got the intuit credit karma card, which is supposed to be 5 days early, when should I receive it?

[xmasbaby0]

Where are you seeing that date?  If you are depending on the date that TurboTax gave you, that is only an estimated date based on the average amount of time it takes for a tax return to be processed.  It is not a guarantee or promise.  Only the IRS is in control of releasing your refund.   

TurboTax gives you an estimated date for receiving your refund based on a 21 day average from your date of acceptance, but it can take longer.  “21 days”  is not a promise from TurboTax or the IRS. 

First, check your e-file status to see if your return was accepted: 

https://turbotax.intuit.com/tax-tools/efile-status-lookup/

Once your federal return has been accepted by the IRS, only the IRS has any control.  TurboTax does not receive any updates from the IRS. Your ONLY source of information about your refund now is the IRS.

You need your filing status, your Social Security number and the exact amount  (line 35a of your 2022 Form 1040) of your federal refund to track your Federal refund:   

https://www.irs.gov/refunds

To track your state refund:    

https://ttlc.intuit.com/questions/1899433-how-do-i-track-my-state-refund

https://ttlc.intuit.com/questions/1901548-why-do-some-refunds-take-longer-than-others

If you chose to have your TurboTax fees deducted from your federal refund, that will take some extra time, while the third party bank handles the refund processing.

https://www.irs.gov/refunds/tax-season-refund-frequently-asked-questions

https://ttlc.intuit.com/questions/2840013-does-accepted-mean-my-refund-is-approved

https://ttlc.intuit.com/questions/2724106-my-return-is-accepted-but-still-not-approved-is-there-a-pr...

[Opus 17]

No.  "5 days early" is 90% advertising hype and 10% baloney.

Here's the technical details.  When a bank makes an ACH transaction such as a direct deposit, they first send a notice or "advice" to the receiving bank, letting them know the name, account number and amount.  That allows the receiving bank to verify the account number is correct and there are no holds or other interferences, and they send confirmation back to the sending bank.  Then the sending bank sends the actual electronic money transfer, and the receiving bank sends back confirmation.  The process is supposed to take no more than 2 business days to complete, meaning that if the sending bank sends the advice on Monday, the transaction should be settled by Thursday morning.

Now, some banks will not allow their depositor the use of the funds until the day after the transaction settles.  And other banks will allow depositors to have their money as soon as the receive the advice.  What this means in practice is that if your employer pays on Friday, their bank sends the advice on Wednesday, the transaction settles overnight Thursday to Friday, most depositors would have access to their funds Friday morning, and a few might not have the money until Saturday or Monday. (Those folks may need to switch banks.)

So when Bank X says "you get your money up to 5 days early" that probably means they allow you to access your funds when they get the advice (ie. Wednesday for a Friday payroll) rather than making you wait.

If the IRS says they expect to make a deposit on 9/9, they are probably sending the advice on 9/8.  But I don't know for sure.  I would not expect you to have the funds any earlier than that.  

Also, if you used refund transfer to deduct your fees from your refund, the refund goes to a middleman to deduct the fees, before the rest is sent to your main account, and that will add 1-2 business days (because of the middleman) regardless of the policy of your bank.