If you chose to "Pay With my Refund" your initial refund will go to an independent bank.
TurboTax doesn't like to wait while you are getting verified.
They will invade your bank account directly. possibly causing overdraft.
@fanfare made a point you need to be well aware of --if you did not notice when you chose to pay your fees using your federal refund. When the IRS delays or offsets your refund, you agreed to allow TurboTax to take its fees from your bank account. You will receive several emails before this happens--but watch your emails.
Sometimes having to verify your identity can delay your refund for a couple of months. When it is finally issued it will still go through the third party bank.
TURBOTAX SAYS:
How do you justify debiting my account?
The provision is spelled out in the Pay With My Refund Agreement, which you agreed to when you opted to pay with your refund.
In addition, by clicking the "I Agree" button below, you electronically sign and authorize Intuit (through its third party processor) to debit the TurboTax Fees, Additional Products and Services Purchased and any applicable sales tax from your bank account number identified in the Agreement below, in the event that you do not receive a tax refund that is sufficient to pay for them.
How can I see my TurboTax fees?