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After you file
Actually, this is terrible software. This was a bait and switch. Even if you apply for the benefits of Credit Karma's instant loan application, and are denied the loan, TurboTax allows CK to take ownership of the bank account at that time.
Before anyone challenges me, I've used this software for 10 years. I am a Director in IT. I did not read the fine print, nor did I need to in the past. I am sure somewhere in the paperwork, when you sign up for X, and do not get it, CK still gets your money and the interest it bears until you figure it out.
Furthermore, once you figure it out. CK will only allow you to transfer 1000 a day to your account. They will claim that they "increase limits", they wont. You will not have your money in there long enough to build up their "trust". By the way, I didn't find where the money was deposited until 6 days after the IRS said it sent it, and 15 days after CK said it was in their account. NO EMAILS or PHONE CALLS indicating that my taxes have been received. OH AND!!!!! TurboTax is still indicating my taxes as "Approved". I will never use TT or CK again. I needed that money in my account on the 21st at the latest (I waited the 5 business days). I was basically told good luck (they claimed the ticket was escalated, I doubt it).