When you signed up to have your TurboTax fees taken from your federal refund, you agreed that TurboTax could take them from your account if your federal refund was late. See this for more details: https://ttlc.intuit.com/community/charges-and-fees/help/why-was-my-bank-account-auto-debited-for-tur...
Here is why your refund is likely late:
Waiting and not knowing the status of your tax return and refund can be frustrating.
Unfortunately TurboTax gets no information about the status of your refund.
In normal times, the IRS says that most filers get their refunds within 21 days from the time their tax return is accepted.
Many returns are taking longer now since the IRS did not process returns for a while and there is now a big backlog of unprocessed returns.
To protect the public and employees, and in compliance with orders of local health authorities around the country, certain IRS services
such as live assistance on telephones, processing paper tax returns and responding to correspondence are extremely limited or suspended until further notice.
They are now taking phone calls with a limited staff but it's hard to get through.
If you efiled your return, have you confirmed that the return was submitted by TurboTax and accepted by the IRS?
https://shop.turbotax.intuit.com/efile/efile_status_lookup.jsp
If accepted, what does the IRS tracking web site say about the status of your refund?
https://www.irs.gov/refunds
If you mailed your return, you must print and mail it yourself. TurboTax does not mail it for you. You will not be able to start tracking your return until the IRS starts processing it.
Here is an IRS Q&A with information about refunds:
https://www.irs.gov/refunds/tax-season-refund-frequently-asked-questions
See this info about the current status of IRS operations:
https://www.irs.gov/newsroom/irs-operations-during-covid-19-mission-critical-functions-continue
