Different agencies process your federal and state refunds, so the two need to be considered separately.
If you elected to pay your TurboTax fee from your refund, that would have come from your Federal refund. In addition, the bank that processes the TurboTax fee also charges a fee of $39, so that charge would be in addition to the cost of your TurboTax products.
If you owed Federal taxes from another tax period, the IRS could also have taken funds from your refund to cover those taxes owed. In addition, if you owe amounts to another Federal agency, such as a defaulted student loan, the IRS can apply part of your tax refund to pay those debts.
See this help article, Why is my refund direct-deposit or check lower than the amount in TurboTax? for more information on this topic.
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