Were you having any fees deducted from your refund? Then it goes though another bank to take the fees out.
One poster found this.....
The refund was sent to a bank I didn't recognize because Schwab where I have an account uses an intermediary bank, JP Morgan. So the refund was in my Schwab account which has little activity and I had not checked. I had not had a refund in so long, I did not remember the default account I had set up years ago for refunds.
