Some more info is needed. Was the refund coming directly from the IRS to your bank?
Or did you have any TurboTax fees that you chose to pay out of your Federal refund? If you used that method to pay fees, an intermediary bank is involved where the fees are subtracted. So if the final deposit to your bank failed, it would go back to the intermediary bank--not the IRS, and the intermediary company would be the one sending you a check in the mail.
