If you put the wrong account number, the first deposit from the IRS to the intermediary bank will still occur since that uses different routing and account numbers. After subtracting the fees, when the intermediary bank tries to deposit it into your account, it should fail. Then the funds would go back to SBTPG's intermediary bank, who will issue you a check in the mail less a $20 service fee for the bounce. See my full answer below on how to check on it at the intermediary company's website, and how to contact them if necessary.
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If you chose to pay your TurboTax fees out of your Federal refund,
your funds will first go from the IRS to a temporary account at an intermediary
bank--either Civista Bank of Sandusky, Ohio, or Green Dot Bank.
At the intermediary bank the fees are subtracted, then the rest of your
funds are sent on to your bank (or prepaid debit card) in a second deposit. The company that
handles that is SBTPG (Santa Barbara Tax Products Group.)
Less commonly there can be delays at the intermediary bank, and additional ID info, etc. might be required.
If
for any reason the second deposit fails (the one that is actually to
your bank or card), it will bounce back to SBTPG's bank who will issue you a
paper check in the mail.
Once the IRS has released your funds, you can log in to your temporary account at SBTPG to see the status of your funds.
To log in, choose the taxpayer portal at:
https://www.sbtpg.com/
SBTPG
has a phone contact page at the following link. It also shows their business hours. Even when they are
closed, you may be able to get 24-hour automated info, or you can log in as
above.
https://help.sbtpg.com/hc/en-us/articles/230084587-Contact-Information
