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Can I decline a partial Tax Advance from Credit Karma after approval? Will I still need their checking account?

Filed my taxes and got approved for a tax advance but its way less than what I actually need. Can I just decline it? And if I do decline will I still have to use their checking account or can I switch it back to my regular bank account for the full refund?

Dylan Cooper

Tax professional here - Yes, you can decline the advance if the approved amount isn't what you need. If you decline, you don't have to stick with their checking account. You can update your direct deposit info with your regular bank account for the full refund.

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Fatima Al-Qasimi

Thank you! Do you know how long I have to decide? Don't wanna miss the window

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2M

Dylan Cooper

Usually 24-48 hours to accept/decline. After that the offer expires 👍

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2M

Sofia Ramirez

Hey guys just wanted to share something that really helped me figure out my refund situation. I found this tool called taxr.ai - its only $4.99 and gives you a complete breakdown of your transcript and tells you exactly whats going on with your refund. Way better than trying to piece everything together yourself.

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Dmitry Volkov

Does it actually work? Sounds too good to be true tbh 🤔

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2M

Sofia Ramirez

It's legit! Just upload your transcript and it analyzes everything - tells you expected deposit dates, explains any delays, even suggests solutions. Saved me hours of googling and stress

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2M

Dmitry Volkov

Just tried it and WOW you weren't kidding! Finally know exactly whats happening with my refund 💯

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StarSeeker

I was in the same boat last year! Declined the advance and switched back to my regular account no problem

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Ava Martinez

these tax advance places are such a scam fr fr...just wait for ur full refund 🤡

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Miguel Ortiz

not everyone can wait tho... bills dont pay themselves 🤷‍♀️

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Ava Martinez

true that. im just salty cuz they gave me like 1/4 of what I was expecting lol

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Zainab Omar

Make sure to screenshot everything when you decline! CK customer service can be a pain sometimes

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Fatima Al-Qasimi

good looking out! def gonna do that

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Connor Murphy

fun fact: if u take the advance ur refund might come slower bc they have to verify everything with the third party bank first

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Yara Sayegh

This! Happened to me last year and added like 2 extra weeks to processing time 😫

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2M