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See this TurboTax support FAQ for the bank charge when you selected to have your TurboTax account fees paid from the federal tax refund - https://ttlc.intuit.com/turbotax-support/en-us/help-article/intuit-account-billing/bank-account-auto...
If the IRS is taking too long to send your refund you still have to pay the fees in time.
See What if the IRS reduces your refund or delays it.
Then when the IRS does send your refund they won't take the fees out again.
And, Why you got charged,
You should have received about 4 emails asking for the fees. If you don't pay they will debit your account. You had to agree to it.
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