If you qualify for Refund Advance and are approved for the Turbo Visa Debit Card1, you’ll be notified by email of the approved amount and you’ll be able to start spending online, typically within 48 hours of the IRS accepting your return.
We'll email you instructions on how to set up your Turbo Card account to start spending online.
The temporary card info will work for 15 days or until you activate your physical Turbo Card, which will arrive within 5 to 10 business days of IRS acceptance and loan approval.
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.
If you weren’t approved, you will receive an email from First Century Bank, N.A. with the reason for denial and contact information if you have additional questions about the decision.
Unfortunately, you did not meet the qualification criteria for the Refund Advance. First Century Bank NA will send you an email explaining why you weren’t eligible for the Refund Advance.
If you didn't pre-qualify for Refund Advance, it may be because:
- Your federal refund was not $500 or more.
- You did not agree to all the Refund Advance terms and conditions.
- You owed the U.S. Government or your State.
- You had debt enforced by a State such as, but not limited to, child support obligations, past student loans, tax liens, and any other payments owed to a Federal or State agency.
- You did not pass the lender’s final evaluation. Subject to review of third-party information.
If you don't qualify, you'll receive an email confirming you won’t receive a Refund Advance. It will include information about why you were not eligible for a Refund Advance. Your federal refund (minus any other agreed upon fees) will be loaded onto a Turbo Visa Debit Card.1
