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After you file
"If the IRS has different info then how did we get our refund on our TT card?"
If you read some earlier posts it has been explained... Some scenarios with Turbo Tax, when filing especially if you paid filing fees, those fees get processed by an institution called SBTPG (Santa Barbara Tax Prep Group)... in order for them to collect those fees from your return... When you file electronically... SBTPG sets up a temporary account for you and submits that account info as your DD info to the IRS and then SBTPG (which is owned by Green Dot) issues you your Turbo Card with an account through Green Dot bank. When the IRS DDs your refund, it goes to the temp account with SBTPG and they transfer the money to your Green Dot Account minus any fees you may owe and the temp account with SBTPG is subsequently closed.