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This is the second year in a row mine has been mailed- last year turbo tax blamed the IRS and charged me the full fee for having my fee taken out of my refund and for efile- I’ve had the same bank for over 10 years and have verified with the IRS that my return was not filed with direct deposit as an option and no banking info sent to them- I can’t get anyone at Turbo Tax to say anything other than basically that sucks but it’s the IRS not us and there must be an issue with your bank- so my bank apparently allows anyone BUT the IRS to direct deposit!!!