After the IRS approves your refund who handles the transfer to your bank account

[darrenxk]

Tax refund 

[EdwardLO · Accepted solution]

It depends. If you chose to have your fees deducted from your federal refund, the refund is sent to our refund processor Santa Barbara Tax Products, the fees are deducted and they then transfer the remainder to your account. If you paid your filing fees by card, or if you used the free option, then the IRS would transfer the funds directly to your bank.