I've used TT for many years now. Opted this year due to the early deposit. Established the Credit karma account for the early deposit. I do have EITC on my return so everything on the IRS refund schedule said estimate 3/3/2025. However, when I tracked my refund on the IRS website, it stated they were sending my refund out to the bank on 2/26. I received an email yesterday evening that my refund was on the way. Checked the credit karma account this morning (615am) and there's nothing deposited. Checked online and said the funds are usually available 9am. Another online forum said funds are available the day they're sent to the bank also. Trusting this is true and not held for days upon days like other banks.
I'm thinking the 5day sooner was a marketing tactic if they're telling people estimated date is 3/3 but the IRS posted they're sending the deposit 2/26. IRS is sending deposits 5 days before the estimated date to receive. The 5 days sooner may mean they allow access to the funds same day whereas other banks hold deposits as pending for a couple of days.
