Has the IRS approved and released your refund? What do you see in this IRS "Where's My Refund" tool?
https://www.irs.gov/refunds
The early refund offer is "Up to" 5 days early; i.e., anytime between 1-5 days early. It's based on when the IRS set the refund to be sent. If you don't get your refund at least 1 day earlier than if it had come directly from the IRS, then TurboTax says the fee for that offer won't be charged. NOTE: If you chose to get it in a Credit Karma MoneySpend account, there was no fee anyway. Read more details here:
FAQ: "Up to 5 days early" offer
https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-refund-advance/turbotaxs-five-days-e...