OK. IRS will say "bank" even if it's going to a card, since the card has an underlying bank account.
I've already submitted this thread to a Moderator.
Did you have any TurboTax fee at all? Did you choose add-ons to your Free Edition like PLUS? If you had any fees at all and chose to pay them out of the Federal refund, then an intermediary bank is also involved in the process.
