@ jahouston415 wrote: My Fees for early return and Turbo Tax were taken from my FEDERAL RETURN. The State of CA released my refund to Cross River bank on 4/14/26 and I DON'T OWE anymore fees. W...
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@ jahouston415 wrote: My Fees for early return and Turbo Tax were taken from my FEDERAL RETURN. The State of CA released my refund to Cross River bank on 4/14/26 and I DON'T OWE anymore fees. Who is this Cross River bank and why are they sitting on MY MONEY? (yes, I'm mad - but not at you all.) There are 2 versions of the "up to 5 days early" offer. A free version to a Credit Karma Money account (explained below) or one with $35 fee to have it go your bank account. The "up to 5 days early" offer uses a third party bank (commonly Cross River Bank) to first receive the funds from the IRS. If you paid a $35 fee, then your tax refund goes to the third-party, who then sends the funds to your bank account (or card.) It's done that way to try to speed up the funds delivery to you, since the IRS itself cannot be "sped up." Some banks, however, do not allow same-day ACH deposits; some banks take 1-3 days to receive ACH deposits. So the "up to 5 days early" offer may or may not work in some cases. In any case, if you paid the $35 fee, and if your funds do not arrive at least 1 day earlier than they would have if they had come directly from the IRS, TurboTax says they will not charge you the $35 fee. If that happens, watch for any emails. If you chose the "up to 5 days early" offer with no fee (i.e., if you agreed to set up a Credit Karma Money Account) the funds go to a Credit Karma Money checking account administered by MVB Bank Inc.