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Saying what is happening to your return at the IRS would be speculation. All you can do now is, wait. At least you know that the IRS has your filing. It does not matter who sent your form to them. That is the sole destination for federal tax returns. No one has discovered a way to make any tax agency speed up working on or sending out refunds. No one ever will because they are an overwhelmed, over worked, under funded and under staffed government bureaucracy. Eventually you will get the pay off of your no interest loan to the government. 21 days is just an educated/informed guess which should not be relied on.
Check out https://www.irs.gov/wheres-my-refund
Your return might be pending. Also, do you mean that you are expecting a Refund Advance?
Pending means that your e-filed return is on its way and that the government hasn't accepted or rejected it yet.
If you e-filed your return before the IRS starts processing returns this year, it'll stay in pending status until then. After that, e-filed returns generally sit in pending status for 24–48 hours before being either accepted or rejected.
Even if you filed your federal and state returns at the same time, your state may not start processing it at the same time as the IRS. Your state return may remain in pending status several days after your federal return has been accepted.
After submitting your return in TurboTax, we may do an extra review of your return to make sure it doesn’t get rejected. When this happens, your tax return is pending. You should receive an email from us within 48 hours confirming that your return has been filed, or with instructions for any additional steps
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