Did you originally plan to have the refund deposited at a regular bank checking account? You didn't by any chance choose to have it deposited to a prepaid debit card, did you?
Do you happen to have a brokerage account that uses UMB by any chance? Have you spoken to UMB to tell them what happened and see if they can explain it? If the deposit went there in error, they need to be informed about it, too.
I've also asked a TurboTax Moderator to look at this thread tomorrow.
