To get the advance you do NOT pay the fee yourself ... it is taken from your federal refund when it is released by the IRS. And even though you "pre qualify" for the advance in the program you will not actually know if you are truely approved for the advance until the IRS accepts your return and the bank reviews your application. Once you choose this option it cannot be undone even if you are not approved for the advance so think about this carefully. The IRS has not even posted a date when they will even start accepting returns this month so don't be in a rush to finish.
