When using the refund processing service the bank info reflected on the 1040 is for the temporary account set up for this one time purpose. The IRS was told to deposit your refund to that temporary account set up at the processing bank and then the processing bank was given your personal bank info so they know where to send the balance of the refund after the fees are withheld. If you review the contract you signed you will see this bank information reflected.
These temp accounts set up for this one time use purpose have been SOP for the 20+ years that the RAC/RAL functions have been around and trust me that the contract you signed is lawsuit proof ... I saw that contract go from 1 single standard page format to a 4 page legal sized pages due to litigation over the years.
