If you chose the option to have your fees deducted from your federal refund, the funds would first be sent to the refund processor, the fees deducted, then the remainder is sent to your bank. If you paid your fees up front with a credit or debit card, the funds would be sent directly to your bank. In either situation, the IRS asks that you allow up to 5 days after your listed deposit date for the funds to appear in your bank account.
