First the IRS only ACCEPTED the return for processing ... TT did not say it was approved, only the IRS approves a refund for dispersal.
Next, the IRS can take as long as they wish to process a return and take any steps needed to verify your ID which are now taking much longer due to the virus shutdown ... all you can do is wait patiently until the IRS catches up on all the work piling up.
And as to the TT fees being withheld from the federal refund ... if the IRS delays getting out the refund you agreed that TT could debit your account ... they sent out at least 4 emails warning you of the pending debit.
See this TurboTax support FAQ for payment of TurboTax fees when the refund is delayed - https://ttlc.intuit.com/community/charges-and-fees/help/why-was-my-bank-account-auto-debited-for-tur...
