If you qualify for a Refund Advance and are approved for the Turbo Visa Debit Card, you’ll be notified by email within one hour of e-filing your return, of the approved amount If your request was denied you will receive an email stating that fact and a second one from First Century Bank NA explaining why.
You will be provided with instructions on how to set up your Turbo Card Account. If you received a Refund Advance last year, you will need to create a new account to see your Refund Advance funds for this year. You won't see the funds if you log in with the account you made last year.
Once your online account is set up, then you must wait for the IRS to accept the return you have e-filed to them. Within 48 hours of your return being accepted by the IRS, your advance funds will be deposited and available for spending online using a temporary card, while you wait for the physical card to arrive 5-10 business days after IRS acceptance.
The rest of your refund (minus any TurboTax fees) will be loaded on the same Turbo Card as your Refund Advance, typically within 21 days from IRS acceptance. You’ll be able to spend the money anywhere Visa is accepted in the U.S. This includes physical and online stores.
Here is more information about the Refund Advance process:
Here is more information about the Refund Advance Temporary Card
If you created a Turbo Visa Debit Card online account and have funds available but you’re unable to use your temporary card number for online purchases, please contact us at https://turbodebitcard.intuit.com/contact-us .
If you received a Refund Advance last year, you’ll need to create a new account to see your Refund Advance funds for this year. You won’t see the funds if you log in with the account you made last year.
Here is more information: https://ttlc.intuit.com/community/refunds/help/about-the-refund-advance-temporary-card/00/27511
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You do not get the money until the 2020 e-file has been ACCEPTED by the IRS. You also have to agree to receive your refund on the prepaid TurboTax Visa.
The IRS will begin to accept/reject 2020 returns on February 12, 2021.
Please see this TurboTax Help article for details on the Refund Advance program: When will I get my Refund Advance?
Please keep in mind, as mentioned by SweetieJean above, that the IRS won't even begin to process returns until February 12, 2021!