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You do not "need" that---it is an option that you do not have to choose. You can pay your fees upfront using a credit or debit card to avoid extra "refund processing" fees, too.
Been 8 days yet irs says still pending review. Where's my $35 plus tax refund ?
"5 days early" means you are supposed to receive your refund from one to five days sooner than the refund date shown on the IRS refund site. If it does not meet that "at least one day sooner" date, they are supposed to refund the $35 fee.
You have to pay attention to the date on the IRS refund site.
You need your filing status, your Social Security number and the exact amount (line 35a of your 2025 Form 1040) of your federal refund to track your Federal refund:
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