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No, you cannot get an advance unless you use Credit Karma for it.
In order to apply for the Refund Advance, you do have to open a checking account with Credit Karma Money. For more information about the Refund Advance process, please see this TurboTax help article: What's Refund Advance?
what if I got denied and would like to go with my own personal banking account
@Jnunnally That is not an option. You would have needed to choose direct deposit (into your bank account) as the refund method when you submitted your tax return.
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