After you file

@shrimpmonkey We are other users.   We have no power over how the terms of the refund advance are set up.   This year the terms require a credit karma card.   If you do not want to wait for the "bugs" to be worked out then you are free to prepare your tax return somewhere else.

**Disclaimer: Every effort has been made to offer the most correct information possible. The poster disclaims any legal responsibility for the accuracy of the information that is contained in this post.**