Do you have funds on your Emerald Card? The IRS is not accepting e-file returns until the 17th so the earliest you will have funds on your EC will be around the 25th or so for filing 2011 taxes provided the IRS does not hold up your return.
The Emerald card acts like a debit card. I do not know when Disney will take funds from the card but if you are putting down a deposit, I would say immediately.
Verify fees for taking all the funds from the Emerald Card and turning it into cash to put into a checking account. The Emerald card is really meant to be used as a debit card.
PM me if you have any questions.