Every year the IRS has to follow the PATH Act which prevents them from issuing refunds that have EIC or the ACTC until after February 15, which means people with those credits should get their refund by March 2, but it can be earlier. See this IRS article:
https://www.irs.gov/credits-deductions/individuals/earned-income-tax-credit/when-to-expect-your-refu...
The "up to 5 day early" offer means up to 5 days earlier from the time the IRS approves the Federal refund until delivery.
There is an example in the offer information here:
https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-refund-advance/turbotaxs-five-days-e...
If you paid $35 to have the "up to 5-day early" option deposited into your preferred bank account, TurboTax says in that same article:
"You will only be charged a fee if your refund is delivered at least 1 day early."
