TurboTax cards do fall under the category of direct deposit. My roommate has used the card, and when the IRS deposited his federal refund it states in your transaction history that it’s DD (direct deposit). Also if you go to your 2019 return, and click “download PDF”, your return statement will pop up and you’ll see your TurboTax cards routing number and account number listed in the direct deposit boxes.
Our TurboTax cards ARE technically through a bank, just not a commercial bank like FirstMerit or Chase.
If you decided to use the TurboTax card, the IRS does indeed have that direct deposit information in their system. We will be fine.
