Although most refunds are processed within 21 days of acceptance, some returns require additional review which causes a delay in processing. Please see Why do some refunds take longer than others? for more information.
Since it has been over 21 days since your tax return has been accepted, please see What if my IRS refund is taking longer than 21 days? for information on contacting the IRS.
Regarding your fees, you can be auto-debited if you signed up for Pay With My Refund and your refund is sufficient, but the IRS is still holding your refund 36 days after your original estimated refund date. Please see Why was my bank account auto-debited for TurboTax fees? for additional information.
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