It is best known as a free credit and financial management platform, but its features also include monitoring of unclaimed property databases and a tool to identify and dispute credit report errors. You can try the TurboTax Calculator for Free even if you dont use TurboTax to file your taxes. When you provide them with your information, they do the math, and their results are 100% accurate. If you need the money to pay off high-interest debt, like a payday loan, and can use a debit card to do it, then a refund advance loan might make more sense for you. Credit Karma is a registered trademark of Credit Karma, LLC. 5-day early program may change or discontinue at any time. This site may be compensated through third party advertisers. We are continually improving the user experience for everyone, and applying the relevant accessibility guidelines. While its appealing to be able to spend your tax refund early, a prepaid card might not give you the flexibility you need. If youre approved for a TurboTax Refund Advance loan, the money wont be directly deposited into your bank account. The sale was part of a proposed settlement with the U.S. Justice Department (DOJ) after the DOJ filed a civil antitrust lawsuit to block Intuits acquisition of Credit Karma. The tax refund advance loan is available only through Feb. 8, 2021, so your window to qualify is pretty small. The IRS typically won't start accepting e-filed tax returns until late January. 20072023 Credit Karma, LLC. **If you choose to pay your tax preparation fee with TurboTax using your federal tax refund or if you choose to take the Refund Advance loan, you will not be eligible to receive your refund up to 5 days early. Open a checking account with Credit Karma Money from withinTurboTax. People need to get together and file a class action against these bogus , incompetent companies . What Is Taxable Income & How Does It Work? Since a TurboTax Refund Advance is based on your expected federal refund amount, it may not make sense if you have a larger refund, since the maximum loan amount available is $2,000. @loiscortneyYou have to watch the IRS refund site yourself to see when your refund is issued. Take charge of your finances and start building credit, saving for a rainy day, and planning for the future with the help of Credit KarmaMoney. Enjoy no minimum balance requirements, no overdraft fees, and free withdrawals from a network of over 55,000 Allpoint ATMs.5, Direct deposit your paycheck into your Credit Karma Money Spend account and get access to your money up to two days in advance.6. Once the process has been 5 Early access to paycheck is compared to standard payroll electronic deposit and is dependent on and subject to payor submitting payroll information to the bank before release date. Please call Member Support at 833-675-0553 or email legal@creditkarma.com or mail at Credit Karma, LLC, P.O. 6 Banking services provided by MVB Bank, Inc., Member FDIC. FergDelaghetto 1 yr. ago Good point, I might do that. Only mortgage activity by Credit Karma Mortgage, Inc., dba Credit Karma is licensed by the State of New York. File with TurboTax, deposit your federal refund into a Credit Karma Money Spend account2 and money could be available in as little as one minute after the IRS accepts your return.*. You're free to change everything else back to something else after. California loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-78868. Please see Credit Karma Money Spend Account Terms and Disclosures for details. This date may not reflect recent changes in individual terms. I worked for the I.R.S. *Banking services provided by MVB Bank, Inc., Member FDIC. This compensation comes from two main sources. I was depending on that money and now I have to go through a complaint process. TurboTax is one of the easiest to use tax software platforms but unlike Credit Karma Tax, which was completely free for all users, you may have to pay a fee to When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay. All features, services, support, prices, offers, terms and conditions are subject to change without notice. CREDIT KARMA OFFERS, INC. 1100 Broadway, STE 1800 Oakland, CA 94607, Credit Karma Offers, Inc. NMLS ID# 1628077 | Licenses | NMLS Consumer Access. Up to 5 days early access to your federal tax refund is compared to standard tax refund electronic deposit and is dependent on and subject to IRS submitting refund information to the bank before release date. iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesnt affect. Image: Man working on his laptop while his child throws her arms around him, asking him to play, Image: Two friends clothes shopping, one trying on a hat and looking in the mirror, Image: Woman sitting on her couch, reading on her laptop about First Tech Credit Union personal loans. It's pretty simple, actually. for 33 years. You cant use your Credit Karmas DIY tax software used to compete with TurboTax. Only mortgage activity by Credit Karma Mortgage, Inc., dba Credit Karma is licensed by the State of New York. Offer is valid for a limited time on federal tax returns, e-filed by 4/18/23, at 11:59 p.m. EDT. Image: A couple interested in a BMO Harris personal loan sit at a table with a loan rep and review documents. If youre considering a TurboTax Refund Advance loan, here are a few other things to keep in mind. The Equifax logo is a registered trademark owned by Equifax in the United States and other countries. WebCredit Karma Money Save | Credit Karma Money Log in Sign up Credit Cards Shop Credit Cards Balance Transfer Cards Reward Cards Travel Cards Cash Back Cards 0% Limitations apply. You can then open a savings account through the Credit Karma app on your mobile device or desktop. Click here to see Allpoint ATM locations near you. Credit Karma, Inc. and Credit Karma Offers, Inc. are not registered by the NYS Department of Financial Services. Yes but once the IRS has SENT/Deposited someones return into their partner company bank,prepaid card,etc Intuit aka Credit Karma aka CashApp etc.. has a responsibility to release said funds to the owner of the funds ! Credit Karma is a registered trademark of Credit Karma, LLC. I checked my balance this But youll have to wait five to 10 business days for the card to arrive in the mail. 15 Common Tax Deductions For Self-Employed. Maximum balance and transfer limits apply. 4 Fees may apply for ATM transactions outside this network. Credit Karma Mortgage, Inc. NMLS ID# 1588622|, Credit Karma Offers, Inc. NMLS ID# 1628077|, Credit Karma Credit Builder (McBurberod Financial, Inc.) NMLS 2057952 |. TurboTax is one of the easiest to use tax software platformsbut unlike Credit Karma Tax, which was completely free for all users, you may have to pay a fee to file your taxes. Open TurboTax Sign In Why sign in to Support? As soon as I get this resolved (or call an attorney) I will close all Credit Karma applications. Credit Karma is part of the Intuit family. Youll have all the benefits of Credit Karma Money and could access your refund up to 5 daysearly. Go to this section in Credit Karma: Refund Tracker The IRS issues more than 9 out of 10 refunds in The company offers no-interest refund advance loans at the beginning of the tax season. When filing your taxes with TurboTax, you have the option to receive your federal and state refund via direct deposit with a checking account1 with Credit Karma Money, also known as a Credit Karma Money Spend account. 2 Third-party fees may apply. TurboTax Online: Important Details about Free Filing for Simple Tax Returns, See
0% APR and $0 loan fees. Maximum balance and transfer limits apply. Paying with your federal refund is not required for the Refund Advance loan. $0 loan fees, 0% APR and zero hassle. Offer, eligibility and availability subject to change or cancellation at any time without notice. Check out FAQs for Credit Karma Money Spend and Credit Karma Money Save. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Premier investment & rental property taxes. ***Credit Karma Visa Debit Card issued by MVB Bank, Inc., Member FDIC, pursuant to a license from Visa U.S.A. Inc. Visa terms and conditions apply. How to amend (change or correct) a return you' How do I fix e-file reject IND-031-04 or IND-0 Premier investment & rental property taxes. 20072023 Credit Karma, LLC. If you chose to have your TurboTax fees deducted from your federal refund, that will take some extra time, while the third party bank handles the refund processing. WebOn TurboTax's website Credit Karma offers a free, online tax preparation program that you can access from your web browser or phone. If your refund is denied or lower than expected, you could face interest and fees if youre not able to repay the loan right away out of your own pocket. No monthly maintenance fees. Credit Karma Tax is now Cash App Taxes, but Credit Karma isnt out of the tax game just yet. Explore File your own taxes with expert help, Explore File your own taxes with a CD/Download, Free to open with no minimum balance requirements, Low credit score? If I may ask, what happened with your situation, how long did it take for Your funds to clear if they did? We expect members with a credit score of 619 or under could see an increase in as little as 2 months. 20072023 Credit Karma, LLC. Image: Woman on the street looking at her mobile phone. Please see Credit Karma Money Spend Account Terms & Disclosures for more information. Credit Builder is serviced by SeedFi. Currently, TurboTax packages range from $59 for the Deluxe package to $119 for TurboTax Self-Employed, with state returns costing an additional $59 each. We shouldn't have to wait 7-14 days for a debit card. in Mand BBA- Specialization: Accounting, MBA- Specialization: Asset Management, EA. Open your Save or Spend account for free today. Worst of all, if you Can get a hold of a CSR that can comprehend what youre saying, they cant provide any assistance! Credit Karma is a registered trademark of Credit Karma, LLC. The link to Credit Karma for the deposit makes it so easy and fast for myreturn., "It was so easy to complete and the transfer to Credit Karma made it super simple to receive fundsquickly!. All you need is a Credit Karma account. Please call Member Support at 833-675-0553 or email legal@creditkarma.com. prices here, Premier investment & rental property taxes, TurboTax Live Full Service Business Taxes, Limited interest and dividend income reported on a 1099-INT or 1099-DIV, Credits, deductions and income reported on other forms or schedules (for example, income related to crypto investments), Our TurboTax Live Full Service Guarantee means your tax expert will find every dollar you deserve. Fees may apply for ATM transactions outside this network. Credit Karma Mortgage, Inc. NMLS ID# 1588622|, Credit Karma Offers, Inc. NMLS ID# 1628077|, Credit Karma Credit Builder (McBurberod Financial, Inc.) NMLS 2057952 |. 4Early access to paycheck is compared to standard payroll electronic deposit and is dependent on and subject to payor submitting payroll information to the bank before release date. For Credit Karma members who may have used TurboTax (or an alternative tax filing method) in the past, there are several potential advantages to filing their tax return with Credit Karma, including: Credit Karma members who dont qualify for free tax filing when attempting to file with TurboTax on Credit Karmas platform will be notified and moved over to TurboTax to complete their return and pay the fee. However, Credit Karma and TurboTax are separate products and require separate accounts. For information about your state refund, contact your state Department of Revenue. WebTurboTax - Credit Karma Get up to $4,000, instantly with Refund Advance. Any remaining balance of the funds will be placed in the same Credit Karma Money Spend (checking) account once the funds are disbursed by the IRS, which is typically within 21 days of e-file acceptance. According to the TurboTax website, some situations not eligible for free filing with TurboTax* include: Those eligible for free filing* will be able to file both federal and state income tax returns at no cost. February. The Equifax logo is a registered trademark owned by Equifax in the United States and other countries. Payor may not submit paycheck early. The Equifax logo is a registered trademark owned by Equifax in the United States and other countries. You will not be eligible for the loan if: (1) your physical residence is located outside of the United States, a US territory, a PO box or a prison address, (2) your physical residence is in one of the following states: IL, CT, NE, or NC, (3) you are less than 18 years old, (4) the tax return filed is on behalf of a deceased person, (5) you are filing certain IRS Forms (1310, 4852, 4684, 4868, 1040SS, 1040PR, 1040X, 8888, or 8862), (6) your expected refund amount is less than $500, or (7) you did not receive Forms W-2 or 1099-R or you are not reporting income on Sched C or Sched C-EZ. Also, while Damany said Credit Karma aims to provide free tax filing to as many members as possible, it wont be available to all tax situations. Premium Online: $55 to $75. Credit Karma is committed to ensuring digital accessibility for people with disabilities. Product name, logo, brands, and other trademarks featured or referred to within Credit Karma are the property of their respective trademark holders. Third party fees may apply. Its accurate to the best of our knowledge when its posted. Credit Karma Mortgage, Inc. NMLS ID# 1588622, Credit Karma Offers, Inc. NMLS ID# 1628077. Maximum balance and transfer limits apply. TurboTax will search over 350 deductions and credits to get you your max refund, guaranteed.5. iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. We are continually improving the user experience for everyone, and applying the relevant accessibility guidelines. Any remaining refund amount will be placed onto your prepaid card. Are you sure you want to rest your choices? Read our Editorial Guidelines to learn more about our team. The company offers no-interest refund advance loans at the beginning of the tax season. As soon as you get your card, activate it using the included instructions. If you pay an IRS or state penalty (or interest) because of an error that a TurboTax tax expert or CPA made while acting as a signed preparer for your return, we'll pay you the penalty and interest. Youre eligible to apply through Credit Karma Money if your TransUnion credit score is 619 or below at the time of application. Third-party fees may apply. Filers on TurboTax will have the ability to open a Credit Karma Money Spend account and have their refund sent directly to that new checking account. Box 30963, Oakland, CA 94604. From the Credit Karma site, under the More menu, you can click on Taxes to get started with filing your taxes on TurboTax. Credit Karma members have two paths for filing their taxes. I would also suggest reaching out toCredit Karma Supportto get assistance with additional questions. Most receive funds within 15 minutes of acceptance. All Rights Reserved. While the loans come with no fees and no interest, theyre not without risks. We are continually improving the user experience for everyone, and applying the relevant accessibility guidelines. 3 Credit Builder plan requires you to open a no-fee SeedFi line of credit and a no-fee SeedFi savings account, both provided by Cross River Bank, Member FDIC. I am an Enrolled Agent. 1 If you choose to pay your tax preparation fee with TurboTax using your federal tax refund or if you choose to take the Refund Advance loan, you will not be eligible to receive your refund up to 5 days early. Make sure you are using your own Credit Karma account, or sign up for Credit Karma to open a Credit Karma Money Spend account and/or Save account. But youll need to file early to take advantage of the less expensive prices. Your ONLY source of information about your refund now is the IRS. Virtually: $85. According to a press release announcing the partnership, Credit Karma will also launch a new feature to provide its members who previously filed their taxes with TurboTax with ongoing insights into their finances, income, and taxesincluding getting an estimate of their tax refund. TurboTax never knows when or even if your refund has been sent. Credit Karma is committed to ensuring digital accessibility for people with disabilities. Auto, homeowners, and renters insurance services offered through Karma Insurance Services, LLC (CA resident license #0172748). In prior years, TurboTax has raised rates in late February or early March. Insurance related services offered through Credit Karma Insurance Services, LLC, which does business in some states as Karma Insurance Services, LLC. 1 $0 loan fees, 0% APR and zero hassle. This Refund Advance offer expires on April 18, 2023, or the date that available funds have been exhausted, whichever comes first. Up to 5 days early access to your federal tax refund is compared to standard tax refund electronic deposit and is dependent on and subject to IRS submitting refund information to the bank before release date. I filed my return on 5/11/21. To apply for a TurboTax Refund Advance loan, youll first need to e-file your federal taxes with TurboTax. File with TurboTax, deposit your federal refund into a Credit Karma Money Spend account 2 and money could be available in as little as one If you have any questions or need assistance with your Credit Karma Money Spend account, please visit https://support.creditkarma.com for support. TurboTax is tax-preparation software that lets you file your tax return online. If you need help with your Credit Karma account, you should go to their help website. These ATMs are conveniently located at participating retailers like CVS, Target and Walgreens. If I select the Credit Karma Money spend account, will my total federal refund be deposited on the card or just a certain amount? Refund Advance is facilitated by Intuit TT Offerings Inc. (NMLS # 1889291), a subsidiary of Intuit Inc. Credit Karma Money Spend is a spending account, which is a checking account without checks and without the penalties, minimum balance requirements or IRS may not submit refund information early. We are continually improving the user experience for everyone, and applying the relevant accessibility guidelines. Free Online: $0. Auto, homeowners, and renters insurance services offered through Karma Insurance Services, LLC (CA resident license #0172748). You could build credit while saving with CreditBuilder3, Free withdrawals at over 55,000 Allpoint ATMsworldwide4, Get paid up to two days early when you set up directdeposit5, Access your virtual debit card instantly and add it to your mobilewallet, Lock your debit card and dispute transactions right in the Credit Karmaapp. 1 Banking services provided by MVB Bank, Inc., Member FDIC. Please call Member Support at 833-675-0553 or email legal@creditkarma.com, Activate your Credit Karma Money Spend Visa debit card. Use a Real bank account or even choose a check by mail over scams like credit karma ! WebWelcome to Credit Karma Money Spend, an online checking account 1 created to help you take steps forward in your financial journey. In the meantime I have never received a debit card. Bottom line , DO NOT DO IT ! "Easiest tax prep, practically does the work for you. No institution should hold YOUR MONEY without you having immediate access to it. App Store is a service mark of Apple Inc. Tap the button below to activate your card in a few easy steps. If approved, your Refund Advance will be deposited into your Credit Karma Money Spend (checking) account, typically within 15 minutes after the IRS accepts your e-filed federal return and you may access your funds online through a virtual card. Your loan amount will be based on a portion of your anticipated federal refund to a maximum of 50% of that refund amount. New filers and those that used an alternative tax filing option in the past can start the tax filing process with TurboTax in the Credit Karma platform. Credit Karma is committed to ensuring digital accessibility for people with disabilities. The same goes for any remaining refund youre owed once the IRS issues the funds. Currently, the account cant accept deposits made with cash, paper checks or foreign currency. Your expert will only sign and file your return if they believe it's 100% correct and you are getting your best outcome possible. Credit Karma, LLC. If you have specific questions about the accessibility of this site, or need assistance with using this site, contact us. Payor may not submit paycheck early. If you dont already have one, you can open a new Credit Karma Money Spend account through TurboTax when youre about to file your taxes. And as long as you have at least $0.01 in your Save account, you can start earning interest today. Auto, homeowners, and renters insurance services offered through Karma Insurance Services, LLC (CA resident license #0172748). Information provided on Forbes Advisor is for educational purposes only. California loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-78868. https://www.irs.gov/refunds/tax-season-refund-frequently-asked-questions, https://ttlc.intuit.com/questions/2840013-does-accepted-mean-my-refund-is-approved. We should have immediate access to OUR MONEY the minute it hits Credit Karma. If you have specific questions about the accessibility of this site, or need assistance with using this site, contact us. Early access to paycheck is compared to standard payroll electronic deposit and is dependent on and subject to payor submitting payroll information to the bank before release date. App Store is a service mark of Apple Inc. Terms and conditions, features, support, pricing, and service options subject to change without notice. https://ttlc.intuit.com/questions/1901548-why-do-some-refunds-take-longer-than-others. Once the IRS accepts your tax return, it usually issues refunds within 21 days. Once the IRS approves and issues your refund, your refund will be deposited directly into your account. When filing your taxes with TurboTax, you have the option to receive your federal and state refund via direct deposit with a checking account 1 with Credit Karma The balance in your Credit Karma Money Save account is eligible for FDIC insurance up to $5,000,000. Credit Karma is committed to ensuring digital accessibility for people with disabilities. Youre eligible to apply through Credit Karma Money if your TransUnion credit score is 619 or below at the time of application. Payor may not submit paycheck early. She lives in Omaha, Nebraska, where she enjoys cooking, reading, and spending time outdoors with her husband, son, and their rescue dog, Dexter. You will not receive a final decision of whether you are approved for the loan until after you file your taxes. Your physical Credit Karma Visa Debit Card* should arrive in 7 14 days. Compensation may factor into how and where products appear on our platform (and in what order). TurboTax is tax-preparation software that lets you file your tax return online. Open an account for free. 2Banking services for your Credit Karma Money Spend account is provided by MVB Bank, Inc., Member FDIC. Limitations apply. Intuit, QuickBooks, QB, TurboTax, ProConnect, and Mint are registered trademarks of Intuit Inc. With your Credit Karma Money Spend account, you have fee-free access to more than 55,000 Allpoint ATMs with unlimited free withdrawals. Credit Karma Mortgage, Inc. NMLS ID# 1588622, Credit Karma Offers, Inc. NMLS ID# 1628077. Some eligible filers may be able to receive part of their refund in as little as one hour of the IRS accepting their return by taking advantage of the TurboTax Refund Advance program. H&R Block Tax Services Pricing. Steps Download ArticleGo to the Credit Karma website. Open your favorite browser, type http://www.creditkarma.com in the address bar, and hit the Enter button.Look for the "Sign Up" button. Once the Credit Karma main page is loaded on your screen, scroll down towards the bottom of the page where there is a Enter your email address and create a password. More items Restrictions may apply. This site may be compensated through third party advertisers. However, Credit Karma and TurboTax are separate products and require separate accounts. At the end of 2020, Credit Karma sold its free do-it-yourself tax preparation platform, Credit Karma Tax, to Square, Inc. My calculations show that I should have an additional $231.96 in that account. However, you could receive your refund up to 5 days early by having it deposited into a Credit Karma Money Spend account.**. We'll help you get started or pick up where you left off. https://ttlc.intuit.com/questions/2724106-my-return-is-accepted-but-still-not-approved-is-there-a-pr Im sorry for your troubles, and Im now going on my 5th day since the IRS deposited my refund. Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesnt affect our editors opinions. 5-day early program may change or discontinue at any time. TurboTax does not receive any updates from the IRS. WebManage Your Account Credit Health Identity Monitoring Credit Karma Money Spend Credit Karma Money Save Financial Products Auto Intuit TurboTax About Credit Karma Financial Relief Indicates add Financial Relief Theres never a minimum balance to open and maintain a Credit Karma Money Save account, and there are no hidden fees. For more information about the Credit Karma Debit Card, please see the FAQ link posted below. 3Fees may apply for ATM transactions outside this network. TurboTax will submit your return once the IRS starts accepting tax returns, which in recent years has been in late January. All Rights Reserved. When will my refund be deposited into my Credit Karma Money Spend account? 2023 Forbes Media LLC. Maximum balance and transfer limits apply per account. Users then can access the full Credit Karma Money experience for example, setting up direct deposit and adding debit cards to their digital wallets from within TurboTax. 25% discount applied. TurboTax Refund Advance allows eligible users to get up to $4,000 of their expected federal income tax refund in the form of a loan thats automatically paid back once the IRS processes their refund. You can use your Spend account for electronic payments and make everyday transactions with your Credit Karma Visa Debit Card. Been with Intuit for going on 6 years now. Enjoy year-round perks and earlier cash with TurboTax and a Credit Karma MoneyTM checkingaccount. If you are asking about the amount of your refund----federal and state refunds come separately and may be days weeks or even months apart. Excludes TurboTax Business products and services. They've had my tax return and stimulus money for over 2 weeks. If youre expecting a federal refund when you file your taxes with TurboTax, you can apply for a refund advance. Credit Builder is serviced by SeedFi. See Terms of Service for details. Auto, homeowners, and renters insurance services offered through Karma Insurance Services, LLC (CA resident license #0172748). Maximum balance and transfer limits apply per account. We do not know which refund you received--federal or state. Credit Karma is not a bank. If you are approved for a loan, your tax refund after deducting the amount of your loan and agreed-upon fees (if applicable), will be placed in your Credit Karma Money Spend (checking) account. In-person: $85. The balance in your account may be moved to one or more network banks where it is eligible for FDIC insurance up to, The funds in your account are FDIC insured up to, Instantly lock your debit card with a tap. and Credit Karma Offers, Inc. are not registered by the NYS Department of Financial Services. A Credit Karma Money Spend account is 100% free to open, with no minimum balance requirements. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. We'd love to hear from you, please enter your comments. Are Credit Karma Money Spend accounts really free? Which ATMs can I use with my Credit Karma Visa Debit Card? I have been calling and I've been put on hold for too long so I email them. Please provide the contact information for me to follow up so that I can access the remainder of my refund. By accessing and using this page you agree to the Terms of Use. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials. How will I be notified when this refund is deposited? To avoid delays, be sure the name on the tax return is exactly the same as the name listed with your Credit Karma Money Spend account. For debit card: Credit Karma Visa Debit Card issued by MVB Bank, Inc., Member FDIC, pursuant to a license from Visa U.S.A. Inc. Visa terms and conditions apply. Janet Berry-Johnson is a CPA who writes about income taxes, small business accounting, and personal finance. You only need one direct deposit into the credit karma account and you only need some of your Tax Return to go into the account. 20072023 Credit Karma, LLC. You can now open a Credit Karma Money Spend account1 directly from TurboTax, and use it as your refund method when you file your taxes. You might be using an unsupported or outdated browser. You could build credit while saving with CreditBuilder, Finish filing your taxes and choose to deposit your refund into a checking account. Late payments and other factors can have a negative impact on your credit score, including activity with your other credit accounts. NOTE: Due to system limitations, if you previously opened a Credit Karma Money Spend (checking) account and that account has been closed, you will not be eligible for a Refund Advance.
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