It is absolutely a 100% scam. I can't believe TurboTax uses this non-functioning, predatory "service." The box you click when checking out of TurboTax is highly misleading - it makes it sound like you'll still get a direct deposit straight to your bank, just faster if you choose to have it processed via Credit Karma.
What actually happens is you're automatically enrolled in a new checking account through Credit Karma (a fake "bank"), and have to deal with them to access your funds. They make transferring to your bank account impossible - they say they need to verify your identify and have you send photos of your ID and SS card (SKETICHY!!!), say they sent out debit cards that never arrive, and then if you contact them too many times, they close your account with no warning and say your account is "under review" and if you contact them about it, they say a "higher department" is investigating and you have to wait for them to contact you, and they have no idea when that will be. Customer service reps flagrantly lie and give contradictory information (for example, I had one tell me to contact the IRS about my "missing" refund, after numerous reps had confirmed the funds were indeed in the CK account), and if you get annoyed, they'll simply transfer you to another clueless, useless rep for the process to start anew. There are thousands of complaints online and on BBB about these issues. I hope they have a massive class action against them soon - they are basically stealing by making it impossible to access your refund money, on the hope that most people will eventually give up.
