The 5-day rule applies when the IRS has processed and approved your refund and a date for direct deposit has been given. For example, if you go on the IRS website and the Direct Deposit is "scheduled" for "February 27th", that's when TurboTax 5 Days Early Option kicks in; it is not based on an assumption of when it might be ready, but rather on the actual date provided by the IRS.
If you don't receive your refund within the 5 days following the rule mentioned above, you wont be charge the $25, or if you have been already charge you will get a refund.