After doing taxes through TurboTax, they give you the option instead of depositing your refund into your bank account. They will recommend that you deposit to credit karma, which is a sister company for it. Refund advancement at 0% interest after they approve you and you set up your refund to go through Credit Karma. They then will deny most people this is just a scam to get you to use Credit Karma to spend your refund well they make money every time you swipe your card be aware.