The IRS ACCEPTED the return for processing they were not approved. Approval of the refund distribution comes later when the return is processed.
As for the advance ... if you went thru the FILE tab again and were allowed to choose the advance option then the bank will determine if they will approve the loan ... pre approval thru the TT program is not a guarantee that the loan will be approved by the bank.
This is the loan agreement everyone signed for the advanced refund
FCB REFUND ADVANCE LOAN AGREEMENT
- A. Status of Application; Approval and Funding of Loan. The amount of the Loan for which you qualify will depend, in part, on the amount of your estimated income tax refund. We have not yet committed to make any Loan. We will only be committed to make a Loan if and when we disburse Loan proceeds to you in the manner set forth below. Based on your representations made during the application process and in this Agreement, we agree as follows. If your request for a Loan is approved and all conditions to funding are met, we will advise you of the final approved amount of your Refund Advance Loan. You acknowledge that receiving this Refund Advance Loan has no impact or effect upon the timing of receiving your tax refund. If your federal income tax refund (“Tax Refund”) is paid by the IRS before the Loan is funded, your Loan will not be approved and the Loan will not be funded.
"If approved, your Refund Advance will be deposited into your Credit Karma Money TM Spend (checking) account, typically within 1 hour after the IRS acceptance of your e-filed federal return." However, the deposit time can be longer than 1-2 hours. See the following Help Article for more information: Offer details and disclosures for the Refund Advance program
