After you’ve been approved for a Refund Advance and open a checking account with Credit Karma Money, you could get your Refund Advance deposited into your checking account in as little as 1 minute from IRS E-file acceptance of your return. You can instantly access your Refund Advance with a virtual debit card and your physical Credit Karma Visa Debit Card should arrive in 7-14 days. The IRS accepts returns starting in late January. Acceptance times vary and could take up to a day. Most receive funds within 15 minutes of acceptance, according to TurboTax.