You misunderstood. If requested a refund advance, once the tax return has been accepted by the IRS, the advance would be paid into the Credit Karma account.
Since you did NOT request a refund advance and you have a federal tax refund then you have to wait for the IRS to process your tax return and issue the tax refund. This process can take up 21 days and sometimes longer for the IRS to complete the processing of the tax return.
