If you choose the 5 Day Early option, you can get your refund up to 5 days early, into your own bank account.
If you choose the Refund Advance Loan option, you need to have a Credit Karma account.
Here's more info on Difference Between Refund Advance and Refund Advance Loan.
Credit Karma has several ways to transfer your funds to another bank. If you chose instant transfer, there is a fee for that.
Here's a link to their site explaining that. How can I withdraw funds from my Credit Karma Money Spend account?
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