There was no "approval" process for the 5 day early refund. That was an option you could have chosen in the FILE section for $25.
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Could be a complication with your own bank that did not allow it. If they cannot deposit it five days early you get the $25 back.
**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.**