@KimSmith294 I just copied and pasted the following from TT website about the 5 days early depositing of federal refunds and what they say about if it doesn't happen within the 5 days early...
Arrives early
Early tax refunds are delivered 5 days before IRS delivery (IRS delivery is usually within 21 days).
Easy direct deposit
We'll send your refund to an eligible bank account that you choose.
On time delivery
If your federal refund isn't 5 days early, you won't be charged any early delivery fee.
1 Personal taxes only. Your federal tax refund will be deposited to your selected bank account 5 days before the refund settlement date provided by the IRS (the date your refund would have arrived if sent from the IRS directly). The receipt of your refund 5 Days Early is subject to IRS submitting refund information to us at least 5 days before the refund settlement date. IRS does not always provide refund settlement information 5 days early. You will not be eligible to receive your refund 5 Days Early if (1) you take a Refund Advance loan, (2) IRS delays payment of your refund, or (3) your bank’s policies do not allow for same-day payment processing. 5 Days Early fee will be deducted directly from your refund prior to being deposited to your bank account. If your refund cannot be delivered 5 Days Early, you will not be charged the 5 Days Early fee. 5 Days Early program may change or be discontinued at any time.
2 If your federal refund is deposited into your selected bank account less than 5 days before the IRS refund settlement date (the date it would have arrived if sent from the IRS directly), then you will not pay the 5 Days Early fee. See Terms of Service for more details.
