Approved irs direct deposit into new credit karma money account unable to link to bank

The IRS has approved my direct deposit and on a misguided Recommendation used my Credit Karma money account routing information instead of my regular institution (chime).  

I’m now reading that to have the account activated fully I have to have it linked to an external bank account however every account that I try to link it to except it at first, through the  plaid verification system, then once it confirms when I hit continue it basically says unable to link I’ve tried it with three different accounts and I don’t know what to do. I’m panicking because I really need that direct deposit, and the only reason I use Credit Karma was to get my refund early, which was a wash. Will my deposit post to my credit karma acct, or do I need to change the direct deposit information? I’m sure if I do that it will be delayed further. I know it’s not directly a TurboTax question, however I was prompted to use Credit Karma through TurboTax and again would not have used that account I had it been specified more clearly. I’m really starting to think Credit Karma is just trying to do too much… This is ridiculous.