After you file

If they paid their fees and didn't involve SBTG  bank, then that would be right.  If you had fees taken out by SBGT, the IRS sent your refund to them, I know, because that is where my entire refund went, then they took their fees and sent to my bank account, not a card, a real bank account.  IRS doesn't have that account, as they sent the money to SBGT...period.